Update:
I got all tanked up on coffee, then called the credit union. The gal there started giving me the standard speil "I'm sorry, but it's our policy..." and I interrupted her and said "You
will take off those charges and free up my funds..." So, she did.
Actually, she claimed she was going to anyway before I said anything, but she just wanted me to know that inter- bank transfers...blah, blah, blah. I thanked her, and told her I wasn't in the mood for a lecture. I am going to send a ty note, though, simply because it's rare these days when you can accomplish anything by phone, and so quickly.
So, then we went shopping. Well, first to Denny's, then shopping. I think the Girl is growing up, because she wanted technology rather than toys, namely a AM/FM Radio/Alarm Clock/CD player. She also got a pack of Pokemon cards, so there is still some kid in there....