Banks like Busey are exactly the ones the Obama administration wants to target for exorbitant fees. They called it the "Opt-in" program (without even defining what it was for customers!), as if it were a good thing, something new they had thought of for their precious clients. They did not inform anyone that this was required of them by the federal gov't. for their exorbitant check return fees. With this loophole (and duped customers) they managed to hang on to these scams, but the Obama admin. is on to them-they are following the 'law' but not the intent. Oh-we should thank them for their community work and being so nice to the few while ripping us off. Even their own employees cannot explain how it is that 'money' goes in an account, and yet NSF funds keep popping up! I am going elsewhere asap!!! I would give them -10 stars if I could!! Oh! and if your Busey card doesn't work, know that you won't get an answer until you ask! Several times their data center in Chicago has been broken into-which is why Michigan ave. shops refuse it-if you do get cash out of an ATM because of this-YOU have to call THEM to get the charges reversed.