Why does my bank keep sending me unnecessary overdraft fees, and how can I avoid them in the future?

I totally get why you're frustrated with your bank - those overdraft fees can add up quickly and feel really unfair. I've been in similar situations before, and it's annoying when you feel like you're being penalized for a small mistake. It sounds like you're already doing your due diligence by keeping track of your account balance, but sometimes mistakes can still happen.

One thing you might consider is setting up overdraft protection with your bank, which can link your checking account to a savings account or credit card. This way, if you do overdraft, the bank can automatically transfer funds from the linked account to cover the overdraft, saving you from those hefty fees. You can also try setting up alerts with your bank to notify you when your account balance falls below a certain threshold, so you can avoid overdrafts in the first place.

As for switching banks, it's definitely worth exploring if you're not happy with your current bank's overdraft policies. Some banks and credit unions offer more lenient overdraft policies, such as lower fees or more generous overdraft limits. You might also consider looking into online banks or credit unions that offer more modern and flexible banking options. It's worth doing some research to see what's out there and what might be a better fit for you.

I hope this helps, and I'm sorry again that you're dealing with this frustration. It's definitely worth advocating for yourself and exploring your options to find a banking solution that works better for you. Good luck, and I hope you're able to avoid those overdraft fees in the future!