In these economic times, I have no simpathy for greed but that is exactly what I am getting from the credit union of which I have been a member for about 17 years. In an attempt to secure a certain amount of money, they have decided to implement a fee schedule (in mid-September) that is a mile long. At the very top is the offender that will usher me to another institution: "Share Draft Fee (per mo/under $300 bal)...........$3.00". So, if I allow my checking account to fall below $300, I will be fined $3. The problem is that my checking account had dwindled to $53 due to my activity on eBay (well actually $47 due to the fact that they stole $6 from me over the last 2 months though I was told I had nothing to worry about back in July when the fee schedule was announced). In order to comply, I would have to take $253 out of my next check and not spend a dime of it until I could make sure that my account was sufficiently funded to allow for any spending that might occur. Now I have bills to pay and don't have the money to take $253 off the top. What better time to hold $300 of my money hostage anyway right? Honestly, I have no patience for this at all and have already found another credit union that has no minimum balance. I am going to close my checking account at one and open it at the other while on my way to work today. The main problem with this is that I will not be able to buy or sell on eBay until I update my financial info with PayPal. I know that starting my PayPal account about 6 years ago was quite a headache. Hopefully updating it will be different. My new debit card should arrive in a week so at least that problem is out of the way. There is one complicating matter though: I have a loan for my new Ford Focus to pay off.....and I still have about $20,500 left. I will have to either maintain $5 in my savings account, re-finance, or pay it all off at once to get away from that credit union completely. Re-financing will probably cause me to incur a charge and I can't afford to pay the car off. Maintain only $5 in my savings......I need that in writing with the company letterhead please.....