On Friday May 27th I had an 87.85 cent balance. a refund in the amount of $38.00 was on hold. I went and made a charge 17.96 at CVS and one at shaws for 70.96. My online showed the $38.00 deposit was added to the 87.85, which left me a balance before the long weekend of $125.85. Now the bank is saying that the $38.00 credit which my side was showing was not there until 5/31 so they bounced the 17.96 being on hold. the actual charge for the 17.96 came in on 5/31/2011, which now because fo the $38.00 fee bounced again. and now they can charge me 6.99 a day until I can pay for all those bounce fees.


Please someone explain this banking to me. if I go to online banking and it shows 1) balance 2) all things on hold 3) adjusted balance after items on hold. How can I be charged with bouncing when I am using their balances of what I have available, according to thier website. I am using the adjusted balance.