We had the same problem as Barnacle with Atlantic Bank, except with us they would also refuse checks because of a "bad" signature, then charge us and the payee a bad check charge, automatically deduct it from our account, and refuse to put the money back. On one occasion, we really made a stink, and they made their customer service rep refund our money out of his own pocket! We think it's some sort of scam for them to collect extra fees. We finally got fed up and closed the account, and after having the customer service rep (who knew us quite well by that time) watch my husband sign 3 forms to withdraw the funds from the closed account, the bank manager refused his signature on ONE of the forms and demanded identification. It was complete harrassment.
Over the 3 years we had the account, we also had problems with mysterious withdrawals. They always explained it as someone mistyping an account number and the money was supposed to come out of somebody else's account, or it was an error in charging us twice for our safe deposit box, or some such drivel, although to their credit they always put the money back when we confronted them, and my husband is an accountant and tracks that stuff, so the mysterious withdrawals were usually brought to their attention quickly. However, I wouldn't be surprised if that's also a scam they're running since not everybody notices money missing from their accounts until it's too late to track.
We also know someone who has a loan with them and wants to pay it off. They won't give him a statement to tell him what his payoff balance is until he pays $55. So, he's not paying off the loan.
Our advice is to get your $$ out of Atlantic Bank ASAP.