On October 30, 2008 I had logged onto my online banking account to check my account as I do each morning. This morning I noticed that my account was negative! I pulled out my check register and it said that I should have $5.18 left. (not a lot, I know but it's the day before payday). I checked my transactions and they were all accounted for. I used an adding machine and went back through a months worth of transactions and still came up with $5.18 including pending transactions. What made my account have a negative balance of -$25.82 wa... read full review »