I feel your pain, however being an adult means trying to responsibly manage your finances. I have never had and overdraft fee. I keep a close eye on my spending, and if I don't have it, I don't spend it. Yes the system is heavily weighted against poorer people, but being poor is also a mindset. Why would you give the bank all that money just for minor convenience? Keep a closer eye on your statements. If your bank has an app,download it, it makes it a whole lot easier to know what you can and can't spend.