If you don't want to pay the fee, don't overdraw your account. Remember, there is no check float anymore, and writing a check on money you don't have in your account is illegal.

Consider setting up overdraft coverage from another account, like savings or credit card. The fees, if any, are much less than OD fees. Also, use bank's on-line banking services to monitor your account balances and transactions daily -- take responsibility for your finances and don't get charged fees.

You must keep in mind all the times you have used your debit card. Not all businesses submit their debit card transactions daily. Consequently you can overdraw your account because when a merchant runs your card there are sufficient funds to cover the transaction. Then when all of your debit card transactions hit your account you are overdrawn.

Debit card transactions are the same as outstanding checks. People are responsable for maintaing their chdecking accounts, not the bank! Quit complaining and be a responsable customer.

Being financially responsible is a good thing. But most of us are not perfect. When someone makes an error, their bank should not be allowed to legally crucify them with OD fees! It's as simple as that.

The banks put through the higher dollar first and multiple time throughout the day to maximize the so called fees. Always trying to maximize the profits even with occasional mistakes and with overdraft protection.