Quote Originally Posted by Total_Blender View Post

I'm not against the banks charging fees because allowing the transactions to pass keeps consumers who DO overdraft out of some sticky legal situations like that.
Thats why banks offer Overdraft protection also. I personally carry this. They give you the option to either tie your Checking to a savings account and will move funds over in the event of an overdraft, or also to have a line of credit associated with your checking account in the event that you drain your positive cash.

You do have to request these but once again most people don't know this. Thats why rather than being complacent, people need to ask questions and have a plan in place rather than waiting until they've overdrawn their accounts and are looking at hundreds in fees face to face.