April 1st-Close Key Bank Account!!!

So we opened a new account a couple months ago with key bank. Matt changed his direct deposit to them and that was that. So we were low on money New Years Eve, $27 to be exact. We looked to see if Matt got paid that day. If it's a holiday then a weekend, sometimes his work will pay him early. To our sheer delight, we saw his company had direct deposited his paycheck. Yay! We celebrated by buying Panda Express. A whopping $8.00 meal. The next day we did some grocery shopping spending $70 at Walmart and bought Subway to eat while out and about-a New Years Day splurge. A week later we went online to check our banking, and we discovered we had $101 in overdraft charges! The bank didn't process the paycheck until 1/4/10!!! Not only that, they first processed the Walmart purchase we made on 1/1/10, then the Subway purchase from 1/1/10, then the Panda Express purchase on 12/31/09, and after that the paycheck Matt got on 12/31/09!!! The only answer we got was something to the effect of "That's just the way we do it." So we went that night to cancel our checking and savings accounts. Matt signed to cancel one, and was doing the next when he noticed it showed a fee. He asked about it, and the teller informed us that because we had the account less than 6 months, we would be charged a $25 fee for EACH account closed, so checking AND savings, etc. So we said never mind, we just wanted to withdraw all but one penny from our accounts. He said it was too late, we already closed the one checking and processed the $25 charge, and there was no way they could reverse it. Matt was able to talk to another customer service rep and they said to come the next day and they would reactivate the account and refund our $25. Now, we can withdraw all but our penny in each account (of course, we first have to make sure there are no other hidden fees from doing this). And the first thing I did when I got home was mark on my calendar on April 1st (after the 6 months have passed since opening the account) Close Key Bank Account!!!