If the transactions are pending, can't the bank just cancel them? I'd be pushing it with them as that doesn't sound right to me.
I agree too to change banks. I can recommend Commonwealth. We went OS a few years ago and the morning after we arrived, went to get cast from an ATM and then fuel for the car. Hubby got the cash and was filling up when I got a phone call asking if we were OS as they had noticed a charge that was unusual. It would have been within 10 minutes of us withdrawing the funds! So I was very happy they checked with us so fast and feel comfortable they have checks in place for these things.