A family member cashed a 3 month old (stale dated) check that overdrew ( the check was returned) my account.

There was communication with the family member and the check was removed from my balance.

That is not the problem. I did not know what caused the fee in my account and called 800-488-2265 to find out what the fee was for.

The CSR stated that a certain check had been returned. I was surprised because my previous bank ( which I still have and am going back to) paid anything up to $550 but of course charged lots of overdraft fees.

When I mentioned this I got a lecture of sorts from the CSR and asked her to please act professionally. Then she let me have it with both barrels and laid into me about responsibility and such.

I believe CSR's are there to assist customers with the details of their accounts not offer their opinions about checking account responsilities.

Banks make big bucks on these fees but I have never in my whole life listened to this kind of demeaning lecture by a bank customer service representative.