Car loans and mortgages, question

[SLOW_V]

^ One of my wife accounts pays her through WF eft. They will intentionally hold releasing your money on the day it is paid unless you have an account with them. Tcf is a bitch @$28 bucks a day for over draft. A smaller bank, University does the same now and will charge up $35 bucks to decline the over draft and then charges $25 a day after. Min $200 balance daily'or be charge $10 bucks a month. Charges $2 for statements. I guess banks needs to make money.