Yeah,that's not a good feeling .I've been there,I admit it.
That's another thing....overdraft fees.They seem a little excessive for people who obviously have little money.I know that the bank loses money for people that continually do it and are dumb,etc,but a $28 fee for going $5.00 over??? When that happened to me,I had like 5-6 small transactions of like $3-6 each go through,and each one had a $28 fee.It's like,could you kick me a little harder while I'm down please???
The $5 per day thing is more fair,where if you leave your account overdrawn for more than 5 days it starts racking up.I don't think many people WANT to make their account overdrawn....