Lifehack: how to get cash advance without paying an outrageous fee

Personally I keep just enough in my checking account to avoid overdraft fees. However, there are sometimes unforeseen events that result in withdrawing more money than I expected resulting in total funding to be below $25.
To resolve this situation, a lot of people get cash advances from their credit cards to fill the void. However, in this post, I'm going to tell you an alternative.

1. Download venmo app.
2. Create two accounts, one under your phone number, another using your friend's number.
3. Send your desired amount to your 2nd account using your credit card of your choice. This charges 3% transaction fees but in this specific scenario, you only need just enough to keep it above $25 so 3% transaction fee comes out to be less than a dollar if you are sending $25, which is much smaller than $20 that Bank of America would charge you if you were to get a cash advance.
4. Send the money you just received back to your first account.
5. Deposit your money into your checking account.

Problem is solved.