Checking or savings account — HUNTINGTON NATIONAL BANK, THE (IN)

Bounced checks or returned payments. Huntington bounced one of my checks. I opened this checking account because the bank told me I had a 24 hour grace period overdraft period. I used my debit card online by accident. I have a credit card with another bank that looks just like Huntington 's card that caused my Huntington account to be overdrawn by {$5.00} -- IT WAS MY FAULT BUT IT WAS ACCIDENTAL. My rent check bounced because I was short by {$5.00}. I have had my Huntington checking account for 7 years and have never bounced a check. I called the Bank and they told me the 24 hour grace period is at their discretion whether to honor the the grace period. My question is this -- -what are the discretion parameters???? If they do not honor a {$5.00} shortage in funds then they really don't hav