<prompt> Human: US Bank is really screwing me over with their overdraft fees. My bank account went -19 due to an unexpected bill and the next day my check from work deposited, while the dumb 36 fee was pending, my check was fully deposited. I waited until the fee finished pending and I called customer service twice to get the same answer of no we cannot refund that I have never called to reverse a fee once in the 5 years having US Bank and I really, really needed that money this paycheck. Anyways, what banks or credit unions do yall recommend? EDIT: I sent an email to them to explain what happened better because whenever I told the CSR that my check deposited before the fee finished pending they said, theres no way to prove that hahaha  <response>: Find a local community bank or credit union. One thing to look for is a bank that has Kasasa accounts google your city kasasa. Kasasa is a banking product that many community banks are using to compete better with larger banks. 