Banks also charge an outlandish overdraft fee per transaction of something like $35, limited to 3-4 per day. The default for most debit cards AFAIK is to enabl

Banks also charge an outlandish overdraft fee per transaction of something like $35, limited to 3-4 per day. The default for most debit cards AFAIK is to enable overdraft protection. You have to specifically disable it at the bank (which everyone should do). Making an extra $100/day for a few small overdrafts is a very profitable racket. "Overdraft and NSF fees cost Americans an estimated $15.5 billion in 2019" https://www.consumerfinance.gov/about-us/blog/comparing-overdraft-fees-and-policies-across-banks/ https://www.consumerfinance.gov/about-us/blog/comparing-over...