<prompt> Human: Im in the process of moving a lot of money around, and my mother accidentally cashed a check when I didnt have enough funds to cover it. Instead of just withdrawing it right away, they sent me this email - I had enough money to cover it from my other account obviously, but I just saved myself overdraft fees, my time, and my mental stress because of this. I was thinking of leaving for a credit union, but little actually, huge!! customer service things like this make it absolutely worth staying.  <response>: The Schwab checking really is the best. 