I opened a Bank of the West account. I was told by the manager that an overdraft fee would never be charged and that items presented against insufficient funds would not be paid. Cut to three years later, two other managers, and over $100 in overdraft fees. In response to a detailed written complaint, I now receive this message: "As a standard overdraft practice, Bank of the West may, at our discretion and without your permission, authorize and pay overdrafts on your checking or money market account. These transaction... read full review »