as much as it sucks to hear, banks are businesses afterall... definitely not the best time for consumers to be upping fees, but as a consumer, overdrafting and then complaining about the charges later is a tad retarded as well in my opinion.. keep track of your bank account since banks dont do that for you... i got burned once long ago before i had a credit card, used my debit to swipe around not knowing i ran out of money, ended up in $300 of overdraft fees, $30 per transaction i swiped for a $5 Burger King meal back in college... what a waste...