As a European I still marvel at the craziness of American banks. I just graduated college this summer, working at a startup now, so cash is tight, have some stu

As a European I still marvel at the craziness of American banks. I just graduated college this summer, working at a startup now, so cash is tight, have some student loans, yet I never overdraft cause I can't. If I could, I know the temptation would be too big. (Do have a credit card though, which essentially is an overdraft as the bill comes the 26th of each month, but is automatically paid in full).