Okay...let me tell you a secret...I don't mean to sound rude towards anyone but...the people who complain about banks, either have no money, or don't have the slightest idea about managing it, or math. When you drop below $0.00, the bank charges you can obscene amount of money...$35 to approve that last charge so it wouldn't decline ur transaction in public and make u look stupid, $35 for going below $0.00, and $35 per day it's below $0. Also, if you have bills that are posting that day, THEY'LL charge u more fees and they have it in their small print that they can try and recharge you up to two or three times. So bottom line is, if you don't have enough money to stay well above $0, you're gonna pay a lot in fees. So the people who complain straight up don't have much cash. Complaining about banks gives people away so easily, I can't believe people complain about bank fees. I've never paid a bank fee in my life. Once, because I used the wrong checkbook with an inactive account. That's it.