<prompt> Human: What am I supposed to do? I wait for all the transactions to stop pending and I see my balance, spend money, then days after everything is done pending they subtract the balance after so that I end up having a negative balance and they get to charge me 12.50. What am I supposed to do? Im so confused as to why they get to do this. Ive never had these problems with other banks before. Help.  <response>: How about you keep track of your expenses. You should know how much money you have in your account without having to rely on them. Its your responsibility not theirs. 