Free banking in the UK usually means &quot;free banking for a set of services, so long as your account is in credit&quot;.<p>Large charges on people who inadvertently went overdrawn by less than £10 for less than a day have been a problem for many people in the UK.<p>HSBC changed from a £25 fee each time the account went informally overdrawn to a £5 per day each time the account went overdrawn.<p><a href="http:&#x2F;&#x2F;www.telegraph.co.uk&#x2F;finance&#x2F;personalfinance&#x2F;bank-accounts&#x2F;11036692&#x2F;HSBCs-new-5-a-day-overdraft-explained.html" rel="nofollow">http:&#x2F;&#x2F;www.telegraph.co.uk&#x2F;finance&#x2F;personalfinance&#x2F;bank-acco...</a><p>Submitted article is talking about poor people. Budgeting is tough for poor people, and penalising those poor people because they are in tiny amount of debt for less than 48 hours feels unfair.