First came the Web site.

Then the bumper stickers on his three cars.

And after that, 17,000 neon green fliers.

But Steve Woodin says he's not stopping until Wachovia Bank returns $1,298.75.

The problem, the Oldsmar resident says, is quite simple. He deposited two checks at a Wachovia ATM at the beginning of September. Then, not knowing that his checks had been put on hold, he paid a few bills: mortgage, water, electricity, cable.

Now Woodin, the president of Safety Services, is stuck with almost $1,300 in fees from 33 bounced checks and overdrafts.

"It's like Pac-Man," the 38-year-old said. "They just kept chewing away at my balance."

Wachovia spokeswoman Carol Clarke said the company would not comment "out of courtesy to [its] customers."

But Woodin wants to make sure people know what happened. He passes out fliers while he's traveling for business, when he's on jury duty, at lunchtime, during a birthday outing for his son.

"It's my way of saying I'm not going to lay down and take it," Woodin said. "I want to get the word out and I want to do it legally."

Woodin said the bank told him the printed warning on the back of his ATM receipt was his notification. But he wishes they'd been more explicit.

"I didn't expect the president of the bank to get on the phone and say, 'Hey Steve, we're holding some funds here,' " Woodin said. "But I expected something."

In the six years he's been banking at Wachovia, Woodin said he's always received a letter or phone call when his deposits were being held.

"This time, there was nothing," he said. "How was I supposed to know it'd be any different?"

Woodin mulled over the idea of a Web site for a couple of days, but one night, he sat down and registered a domain name: www.wachoviabank-sucks.com. It cost $20.

Then he began blogging.

Sept. 26: "WACHOVIA, when are you going to realize that we can end this little 'project' if you would simply do the right thing?? Is airing your dirty laundry not bothering you?"

Sept. 29: "GOLIATH, watch your back, DAVID is coming for you!"

His wife, Teresa, thinks he's crazy.

"When he handed me a flier, I just thought, 'oh gosh, what has he done now?' " she said.

Before long, Steve had put stickers on the back of Teresa's Chevrolet Astro.

"I just wish I didn't have to drive my 'Wachovia Sucks' truck to church," she said.

Steve, though, said he's glad people are noticing.

"I'm not afraid of being sued, I'm not afraid of attorneys or the court system," Woodin said. "But if I get results this way, I'll know it's because I put pressure on them. That'll be the sweetest victory."