I'm not saying banks are perfect, but it seems like 90% of your complaint is about overdrafts. If you don't want to worry about overdrafts, check your balance in the morning, write down the amount, and don't spend more than that. Or pay for everything in cash from an ATM and use the ATM to double-check the balance first.<p>As for the $26 overdraft charge, do you know how much it costs the bank? Do you know that it makes a difference if it's only a $1 overdraft? If you don't know the industry, how can you propose to change it? Sure, it might be nice for me to say I think all banks should give 10% interest on accounts, but they can't. Maybe there's nothing they can do about the overdraft fee.