The design should be pretty self-explanatory, so how about a rant? I don’t have overdraft protection on my chequing account, so it’s impossible for me to dip below a $0.00 balance on my own. But if the account is very low on funds, and the bank takes their monthly fee and puts the account into a negative balance (-$10.00), they’ll charge me an overdraft penalty of $30, even though they technically did the overdrafting. Seems unethical and predatory to me.

If the account is in a negative balance because of what the bank did, then that should be the end of it. The customer will pay the negative balance eventually, if only to resume banking, so the bank will be made whole for the monthly fee sooner or later. But an overdraft penalty? It just strikes me as penalty for being poor. Am I being silly about this? Let me know in the comments.