To add to your point - This feature is very much required not only for people living paycheck to paycheck but also for people holding multiple accounts. I've ha

To add to your point - This feature is very much required not only for people living paycheck to paycheck but also for people holding multiple accounts. I've had many instances in which my BOFA account was overdrawn simply because I didn't know how much money was there when I swiped the debit card. Banks thrive on these overdraft fees. I even talked to the BOFA branch manager telling them not to honor a transaction if I don't have the required balance and they simply wouldn't agree to that.