Except in your mind. I had been so careful to make sure enough money would be in account when bill would be presented, too. I had sent a check off to pay a bill, dating it the 21st in order to ensure funds would be there-- I am in Mass. Try again later Consumer Support. This is a lousy, big national bank, and this decision on their part seemed intentional, a way to soak fees out of me. All email addresses you provide will be used just for sending this story.