This is the way text notices work at another large competitor bank: if you receive a text in the morning showing a negative balance, you have the business day to make a deposit and avoid fees. This is not the case with SunTrust; once you receive a text with a negative balance, it's TOO LATE to avoid ridiculously high fees. You could easily end up paying $36.00 to borrow $1.89 for less than 24 hours. This does not build trust and is counterproductive, causing struggling families more problems. It may be "legal," but it's certainly not ethical.