August 20th, 2008 I made a payment online from Orchard Bank. My bill was due September 7th, on a Sunday. I am on Soc.Sec. . I figured it had come out of my account. On Sept. 11th I get a notice from my credit union saying I have two insufficient funds for Orchard Bank. I lacked $ 3.00 in my account! They had also, increased their yearly fee from $39.99 to $59.99 on my account making me over the limit! And they did not take out my payment that I paid 20 days early until Sept 9th! Due Sept 7th. Paid August 20th from their site. So, two fee... read full review »