Is your bank Nat City? They're the worst.
I posted a ~$3k check on the friday before memorial day. They didn't post it in time, so it didn't get credited until the next Tuesday. No big deal, I thought, except the holiday sure didn't stop them from clearing one check on Saturday and FOUR on Monday, memorial day. Five bounced checks times $29 each meant I had almost $150 in overdraft fees, plus the negative balance from all the checks made for quite an ugly balance statement. Luckily, the power of the angry customer is strong, and a few well-placed phone calls got 4 of the 5 fines wiped out.