The next bloody idiot award goes to .....

ANZ

Charging me $25 for going over my account balance by $10 at the ATM. Do they have figured out that instead of saying "sorry you don't have enough funds" they just give you the money and charge $25 without warning.

They probably have some analysis that shows that customers:

1. don't blame the bank when the customer goes overdrawn
2. don't leave because of this

They then came to the conclusion that this was money for nothing and they could not resist.

This may be true in the short term, but here is at lease one customer that will not buy more from ANZ because of this. In fact banks have found it very difficult to get customers to buy other products outside the basic normal ones. While customers trust banks and are not unhappy with the service they are reluctant to buy other products from them. In part, in my opinion, because of the types of behaviours in billings and fees that I recently experienced.