<prompt> Human: So. Im disabled and not on SSISSID currently, I am a grad student with poor credit high 500low 600 and a lot of student loans. I have a part time job that direct deposits. I just paid a TON of fucking money in overdraft to Bank of America and Im sick of it. Id like a checking account that wont fuck me over if an autopay bill like Adobe or Netflix goes through before my DD.Should I get Schwabb or Capital One 360? Both have been recommended to me but theyre both hard pulls and Im afraid of dinging my credit with another denial. My college also has a deal with US Bank but Ive been told they suck. Thoughts? Ive never switched banks before, this is the checking account I opened in high school with my first job so to say I know nothing... you know nothing, skywaterblue.  <response>: Your problems is not banks. It is the fact your spending more than you have in your bank account at any given time. Every bank or credit union will charge you for over drafts. You need to budget aggressively to prevent over spending. Your other option is to get a credit card for your expenses but this is not a good option if you are not pay you bill off in full every month. Start by eliminating your luxury items like Netflix. 