If WAMU was set up correctly, the card should be declined upon there being no money in the account. Instead, they tap fee charges onto the account to make money. The advancements in technology should allow for improvements in life and not for degradation of a customers life. I had 5 overdraft charges that occurred all in one day cumulating to about $170. WAMU refunded only one of these charges and left me stuck with the rest of the FEE charges. I think it's a big bank scam. If i have no money in one of my accounts, the card should just be declined! If I go to a store that accepts only cash and I don't have any cash then I can't spend it. A debit card should work the same way. Instead, I have no money in the account, WAMU makes it worse by adding in FEE charges to compound the problem. How does that make any sense? How is that being helpful to customers? I am not a 'huge' fan of BOFA, but I must admit that BOFA has been much much more courteous about reversing charges then WAMU.