<prompt> Human: Hey everyone,Is there anything I can do to fight a citizens bank overdraft fee? I recently overdrew with my debit card the other day. Citizens held a lot of my transactions as pending and then two days later charged them all to my account causing me to overdraft.Its happened twice in the past month and its not cheap. Is there any I can do to appeal them? I have a student checking savings account linked and the savings account has 1,000 in it on a monthly basis, but I seem to be plowing through my checking funds because they stack up so much. I know a part of it is mismanagement on my end, but its hard to tell how much I have active in my account since they hold transactions for several days sometimes and then drop them in all at once.Would I be better off switching banks to something like a local credit union to avoid future overdraft hassles?edit: a word  <response>: spend more money than he has in his accountblames bank for overdraft chargesyou forgot the personal in rpersonalfinance, its all on you here, you need to make the right choices, banks will always take advantage if you make a mistake like overdraft, not making on time payments, overextending credit, etc. 