That is why I hate banks. "Oh, let us withdraw our monthly charge -- oh, that made your account overdrawn, let's CHARGE YOU FOR THAT TOO."

Holy crap, a bat. I would have alternated between squeeing and freaking out. It's a good thing you saw it come in and it didn't bite you. In Massachusetts, if there is a bat in your house and you didn't see it come in, you need to get it tested for rabies, because it could have bit you in your sleep and you wouldn't even know.