Today I got a nasty surprise due to my ignorace of the retail banking system. I had direct debits coming out of my current account on Monday. I realised that I didn't have enough money in my account to cover the debits so I popped into the bank at 1630 to lodge some additional cash. To my shock and horror when I checked account online today, I found that the bank had clocked up Â£114 in referal charges. Even though I lodged the money on Monday, the same day the debits were coming out, because my lodgements were done after 1530 (which in the banks eyes is next day business) they still stung me with the charges. The unhelpful runt on the other end of the phone taught me something...banks are out to screw you over at every possible opportunity. The question I asked said unhelpful runt was this "Why are your branches open at 1630, yet any business that I carry out after 1530 may as well have been done the following day" Surely there should be a caveat from the teller or signs up? Tommorrow I'm changing banks. NEVER EVER JOIN THE ROYAL BANK OF SCOTLAND.