<prompt> Human: I bank with Chase and have not kept up with my finances for the month. I got hit with 3 separate 34 fees this month and asked for a reversal. I got declined because I have already asked and been granted goodwill refunds in the past. Yes, I am ashamed but now i just need advice on if I can get my 102 back or what I can do in the future to avoid this. I think I am ready to leave Chase if that means going to a credit union so any advice would be appreciated.  <response>: what I can do in the future to avoid this.Dont overdraft your account. 