You're with the wrong bank maybe. Once upon a time I overdrew my account by $10 and was charged $35 overdraw fee. My account balance became -$45. Someone sent me $50. I then withdrew another $50, and because the account balance was negative again, I was charged another -$35 and left with -$80. When I found out I was angry, I knew the rules were that if you overdrew your account you have to pay a fee, but it seemed ridiculous that they'd charge me twice when it only ever briefly went over 0 again. So I went to my local branch and asked one of the bank staff about it. They apologised and reversed not just the second overdraw fee but both as well! Quite happy with my bank that day; The rules were there and I knew them but they still refunded all my fees back.

I can't even imagine a Chase teller doing that, and I like the people at my bank.

It was the commmonwealth bank of australia.

I'm from the US, perhaps that's why we don't see eye to eye?

The ability to go into a branch and refuse to leave until something is done is not a silver bullet, but it's something. If you happen to run in to 2 or three other unhappy customers with the same idea, it's even better.