All checking accounts can be overdrawn. You can pay for &quot;overdraft protection&quot;, but that&#x27;s more like paying a fee so that you can get a flat overdraft fee instead of paying multiple fees in a single day. Many people have been burned by using a debit card in an effort to avoid over drafting, and getting multiple overdrafts (and their $35 per incident fee) in a single day. Oh, the protection also comes with a text message that tells you when you have something like $3.00 left in your account.<p>My favorite fee is the &quot;maintenance fee&quot; aka &quot;inactivity fee&quot;. It&#x27;s legal for a bank to take your money $50 a month if you don&#x27;t spend it. There&#x27;s no justification for this. It&#x27;s not like the bank isn&#x27;t making money off my deposit already, and it&#x27;s not like the bank is polishing my coins.