Speaking of overdrafts. My as kept withdrawing till it got to a -$800. I called them and said how can you let someone withdraw that much money with no money in their account without setting off alarms? They said the machine doesn't know. Well, as it turns out, why would they care, they just took the $800 out of my account. Turned out to be a snowball effect. Then I didn't have enough money for all the bills I had just paid.