Fights are honest communication, so congratulations on that, too!

I've also had trouble with that "overdraw" charging. Be careful of any checks that are submitted to your account. If companies don't submit them until your balance is low, not only will they bounce, but by law, they can resubmit them every day, even twice a day until it is paid. I ended up paying $120.00 because they kept resubmitting the same check (the bank allows it unless you put a "stop payment").

The banks and the laws are meant to make money off of you. I even had a company submit a 40 cent electronic withdrawal when my paycheck was late and "overdraft" paid it instead of letting it bounce,...the bank charged me $30.00 for that (yet the overdraft wouldn't pay the $19.99 submission that ended up $120.00 (logic or greed?).

Congratulations again.