[05h2sut]

I'll probably get in trouble for saying this, but

I agree that the bank account holder should have the money before they spend it. The fee is outrageous, I suspect similar to bouncing a check, which is essentially what one would be doing spending before they have it. I've had friends give me checks with the "don't cash until Friday" statement attached. When I loaned them money, it was then and there. I should now start surcharging $35 for the Friday statement.....