<prompt> Human: Its a bank of America account. I heard about how its the worst company in the US and all, but I didnt really have much of a choice. Its a joint bank account with my dad since he plans on depositing money into it once in a while since Ill be going to college out of state and I dont have a job yet. Anyways, I was wondering what type of common mistakes people make on their first go, what I should avoid doing, what I should be doing, and any other tip. Itd also be nice know why the banks hated so much.  <response>: Keep track of the amount of money you have available use something like YNAB to budget and turn off any overdraft protection on your account. Just have it decline purchases when there is insufficient funds. The last thing you want to have to deal with are 35-40 overdraft fees. 