Yes, they do have little "acccidents" that somehow always generate fees and interest for the bank. I keep three no-fee VISA accounts for just such bank shennagins. Only one VISA gets used. The others are reserves, in a lock-box.

When VISA #1 pulls such a stunt as sitting on my payment check for three weeks before cashing it, they become my #3 VISA. Their card goes in the lock-box and VISA #2 gets the wallet space. They get back their #1 position only after all interest and fees they smacked me with have been refunded. To the penny.

In the last year:
1. Fradulent charges on my Fleet VISA. This correlated with their merger with Wachovia. Coincidence?
2. WF "sat" on my payment check. When I saw it overdue, I sent a replacement check. Then they cashed both at once!
3. C-Bank has been a major pain in the keister about correcting a disputed charge.

In each case, when a bank displeases me I stop using their card until I am pleased with their corrections. I pump $10K or more monthly through plastic. I have a perfect payment record. If I am displeased with their resolution of a problem, I write to the president of the bank. I am not a good customer to displease.

I also have a separate bank account in a bank that is separate from my real account and from my brokerage accounts. I use this isolated account to make on-line payments in case there is a rush to pay a certain bill. The isolation protects me from having my brokerage accounts siphoned off should there be yet another slip-up in online banking security.