Our Christmas present to them is a nice letter complete with screenshots of their balance reporting tools (with total absence of negative balance) CC'ed to the FDIC.
A burgler does not want to break in here. I would love a legal reason to blow someone's head off right now, unChristmaslike as that seems.
Merry Christmas.
Sorry, I meant to preface that with "my bank is the only burgler we need."
So switch banks already?