What do you believe are unethical banking practices?

I believe it is wrong for a bank to automatically withdraw funds from a person's account for a transaction but then wait 5 days for a deposit on ths person's account to clear before usage of such funds can occur. Does this practice seem a bit unbalanced? what other banking practices do you think are unfair?

Answers:
everyone would agree with you - right not greed is running wild with no checks.

Allowing illegal aliens to open bank accounts--now this should be a crime.
Banking is an unethical practice.

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