Why does my bank keep charging me high fees for overdrafts when I'm trying to manage my finances for a health and wellness startup on a tight budget?

I totally feel you, it's frustrating when you're trying to manage your finances carefully and still getting hit with overdraft fees. I've been in similar situations before, and I've found that sometimes it's just a matter of finding the right bank and setting up the right systems. Have you considered looking into banks that offer low-fee or no-fee accounts for small businesses? I've heard great things about banks like Capital One and Axos, they seem to be really supportive of startups and small businesses.

I'd also recommend taking a closer look at your account settings and making sure that you have overdraft protection set up correctly. Sometimes it's just a matter of linking a savings account or credit card to your checking account, so that if you do overdraft, the funds are transferred automatically and you don't get charged a fee. You might also want to consider using a financial tool or app like QuickBooks or Wave, they can help you stay on top of your cash flow and expenses, and even alert you if you're in danger of overdrafting.

In terms of managing your finances in a way that aligns with your health and wellness mission, I think it's great that you're thinking about the bigger picture. One thing that might be helpful is to set up a separate account for your business expenses, so that you can keep your personal and business finances separate. You could also consider using a budgeting app like Mint or You Need a Budget, they can help you track your expenses and stay on top of your finances, and even offer tips and advice for managing your money in a way that supports your health and wellness goals.

Anyway, I hope these suggestions are helpful, and I wish you all the best with your health and wellness startup! It's great that you're taking the time to think carefully about your finances, and I'm sure you'll find a system that works for you. If you have any more questions or need further advice, don't hesitate to ask.