USBank allows banking customers to make debit card purchases, even if their account is in the negative. You can't assume that you are protected. They are happy to charge you $37.50 bounce charge for a $3.00 coffee purchase. You might have a deposit that is returned. They don't notify you of the situation for almost 7 working days. In the meantime, you continue to make debit card purchases, thinking that your account has funds. I didn't KNOW my account was in the negative. In the 7 days it took USBank to have the US Postal... read full review »