Overdraft fees are an incredible theft and source of revenue. When I first left home I had an overdraft. The bank declined the check and returned it to the vendor. I got the notice in the mail and went down to the bank. In the two days or so it took me to get the notice not only did they charge me the overdraft fee the first day, but the overdraft fee exceeded my balance also, so they charged me an overdraft on the overdraft fee every day until I went down there. I had to pay them four overdraft fees! I was “fit to be tied” so angry my friend had to calm me down. Banks...gotta tolerate them and learn how to Out bank them.