<p>Yes, DenuMz, I understand your frustrations. That is why I read every line of the terms and agreements booklet they give me before I sign any documents to apply for an account. </p>
<p>At my bank BBVa compass, the terms and conditions actually says that for the overdraft protection, they would apply the check that is the greatest amount first regardless of how much is in your account. For instance, I have a 20 dollar charge and a 180 dollar charge. They would always remove the 180 dollar charge first in my account. I am okay with doing that because I read that booklet they gave me.</p>
<p>I don’t actually recommend any of the large banks; I am still irritated at how they got a “good deal” when they bailed out the other failing banks. Chase bailed out washington mutual. Bank of america and merrill lynch.</p>
<p>However, I think since this student is an international student then she or he ( gender neutral:)) is stuck with one of the big banks.</p>
<p>But to the original poster, check if the bank you have at your country has a service to what the United States has that is similar to ACH; that way, you do not have to pay fees to transfer money to an account in the United States (if that service exists).</p>