Shoutout to the guy at the Tacoma credit union who read his overdraft fees out loud
Was standing in line last Tuesday and this older dude at the counter just started listing off every $35 overdraft fee from his statement to the teller, not even mad, just reading them like a grocery list. Turns out he had 6 of them in one week, all from small stuff like $4 coffees and a $12 auto payment he forgot to move over. I went home and finally set up low balance alerts on my own account instead of just telling myself I'd check it more. Anyone else switch to alerts after seeing someone else eat that many fees?
Read a Reddit thread about this exact thing last year. Guy was a bartender and said he watched customers rack up hundreds in fees because they never checked their balance. He started putting a sticky note on his own debit card with his balance at the start of each day. Simple but it worked for him. What got me was how fast those $35 fees add up when you're not looking. Six in one week is over $200 gone just for being busy or forgetful. Banks count on that too, which is the part that bugs me. I set my alerts at $50 and it's saved me from at least two of those dumb fees already.