Capital city bank, formerly known as farmers & merchants bank is the worse bank on earth. Their so called bounce protection is not a protection for the customers, but a device for them to con their customers out of their hard earned money. They will approve small amounts of debits and check, and if you then debit a large amount from your account, a week later, they then rearrange your account so that all the small debits, that were posted and already debited, they will then take the larger amount and post it first, throwing all the other debits of the smaller amounts to have 30.00 overdraft fees. How is this helping the customer? on line, in the offices, and at the atm it shows that you have enough to cover the smaller debits and may be shy just a few dollars for the larger amount, but again, when the larger amount is debited, they see fit to then go back and redo your account to throw the smaller debits in overdraft!!! Please, if anyone else is having this problem, please speak up so this practice can be deemed illegal. Many of my friends and families have lost so much money to this practice, something has to be done!!! Do not use Capital city bank, it's the devil's workshop!!!