Vectra Bank - Boulder Pearl Pearl St, Boulder

I spent more than 6 hours trying to resolve an issue with a funds transfer that didn't go through due to technical difficulties on the part of Vectra Bank and resulted in multiple insufficient funds fees (they charge $24/week plus $8/day and don't automatically notify you until the fees go to their collections department). In the process, I was given the wrong reference number (either intentionally or by sheer incompetence), inconsistent reasonings from different customer service representatives as to what went wrong, and in the end, no resolution. This is honestly the worst experience I have ever had with a bank.