My ACH deposits are being held and not deposited in a timely manner. This allows Kemba to create NFS since I opted out of the debit card protection. This has been going on since August 17 2010. My checks are switched around my debit payments so that the checks are charged the 32.00 (since my debit card cannot be charge.) I have been charged so much, by error 32.00 was charged for no reason at all 01/31/2011. I had requested that the 32.00 is corrected. I have a pending deposit of 400.00 from my State Ohio income taxes. The message on my... read full review »