Totally agree, however banks actually make a ton on all kinds of 'service fees' so they like for you to overdraft and will be hesitant to do anything about it.

Totally agree, however banks actually make a ton on all kinds of 'service fees' so they like for you to overdraft and will be hesitant to do anything about it. I do believe though that if you were to start a new consumer bank from scratch, that could be one of the USPs.