Not murican.

How the flying fuck is it even possible to overdraw over there? Here where I live banks will auto reject any attempt to go over your limit without explicit requests.

In 2020 banks charged $30,000,000,000 in fees. That’s 30 BILLION dollars! By comparison all Hollywood movies make about $11 billion total!

So, for every dollar Americans spent on going to the movies, they spent three on account fees, over draft fees etc.

Banks answer to their share holders. Share holders like money, so banks charge fees.

Bank is a four-letter word.

Do something about the problem. Take away their ability to steal money from people that don’t have it.

Switch to a credit union. Lower or zero fees. Credit unions answer to their members, I.e. account holders.