Lets hope you can innovate on the &quot;overdraft business model&quot; and offer people to buy into a credit card as opposed to egregious graft on over drafts.<p>Further - you should have full transparency in charge ordering.<p>The method by which banks order charges to algorithmically produce the most overdrafts should be a capital crime.<p>I used to bank at a CU and they posted their monthly overdraft profits on the wall: ~$250,000 per month they charged their customers in overages. When 2008 hit, this number balloned to ~$500,000 PER MONTH that people were paying in overdraft because everyone was getting fucked so hard by the banks.<p>On paper I make a lot. I would literally pay a sizeable amount to have a true banking partner that actually had my best interests at mind and wasnt trying to rob me.<p>A friend of mine recently complained that she had dropped to $22.00 in her BofA account, which had a $25 min balance req. They then charged her a $35 fee for being under $25 - this caused her to go negative, and then for being negative they charged her an additional $35 PER DAY.