I have an account at NYCB in Bayonne, New Jersey, I have online access to my account, so before I make a purchase I make sure and check my balances at all times... I made two credit purchases on 1/17/10. I had a balance of 309.68, my first purchase was for 53.62 which should then leave me a balance of 256.06, my second purchase about 7.30pm that day was for 247.90 which is more that enough in my account... Somehow the bank charged me a 33.00 fees for insufficient funds for the first purchase creating an overdraft in my account for the second purchase... I have been calling them for the past 4 days and they refuse to reimburse my account. My next move is to close my account and contact the Better Business Dept...because I need my fees refunded to my account.