M&T Insufficient Bank Fees

Wondering how much Banks that operate in the United States of America profit off Insufficient Bank Fees. Over a two month period I was charge about $200 Insufficient Bank Fees by M&T. Interest point is that it appears the funds were available to cover the charge in most cases. When I ask M&T reps to explain why I was charge Insufficient Bank Fees when the funds appear to be available I was given an unclear answer. In fact the rep quietly said this doesn't make sense – then of course it is either turn over to another rep or a manager who treats me as if I’m stupid (Not a laughing matter because I feel stupid for banking at M&T). Other insufficient fees I can clearly see the funds were not available, however I would have prefer the bank decline the charges. Credit card companies decline charges if credit is not available how come banks can operate the same way –Oh yeah they profit of these fees. More profit for banks less cash for American Citizens.M&T BANK LOCATION:2 Miron Lane
Kingston,NY 12401,845-336-5500