This is why I've keep with https://www.tabbank.com/ for many years. Years ago when I was having money problems, I notice I never got overdraft charged, but my card got denied making a $5 purchase. It shocked me at first, but having a $5 transaction denied instead of getting hit with $25 overdraft fee is much better. My last bank hit me with a $100 overdraft fees due to delaying a deposit 12 hours. That right, that $25 overdraft fee keep the account in the red even after the deposit went though. Fucking Basters is what I call those banks.