Mutual Bank - Halifax Banking Center in Halifax, MA

WHAT KIND OF DISGUSTING EXCUSE FOR A BANK IS THIS? I have NEVER heard of a bank being THIS underhanded. They call their BULLCRUD excuse for Overdraft Protection "over draft privilege" and don't fully explain that it charges you 35$ PER TRANSACTION, and shows you an INCORRECT BALANCE so you don't even notice being negative. Why the hell would ANYONE agree to pay 35$ on top of going into the negative on their account? Then, to make sure that the account wont go negative further, One would think they could freeze the account or place a hold until the customer is able to pay off the balance. Nope, They said they could not freeze the account. Really? every other bank in the world can freeze a negative account except you?