<prompt> Human: About 10 years ago, I began to have trouble with my companys Credit Union. I had Direct Deposit, and hadnt changed my spending habits, when I suddenly began a cycle of being overdrawn regularly. One week, my entire weekly check40 hours 400ish take-home was eaten up in overdraft fees! Immediately, I drive to the CU and speak with the manager about the issue, and try to understand how I got so far in debt, and whats going on. The manager isnt really helping me, she just keeps repeating the same couple lines over and over, dancing around the issue like Im supposed to just follow her lead and pretend it makes sense, all the while I dont understand at all. While Im talking to the CU manager, my girlfriend is outside smoking, and talking to a teller whos on her smoke break. When the teller explains their new policy like this.There is two balances to your account, the actual balance, and the available balance. Every time you slide your card, the merchant places a hold on that money, but the actual transaction takes some time to processobviously oversimplifying hence the two balances. If at any time your available balance is lower than your actual balance, you incur a 37 overdraft fee. Now say you have 100 and go shopping with your debit card. You make 9 transactions for 10 each. Then you make a 10th transaction for 10.07. Your available balance is negative 7, and each pending transaction triggers a fee. That 7 just cost you 370.00 in overdraft fees!Having direct deposit, I never had cash on hand, and used my debit card all the time! Looking at my transaction history in this light, I noticed that right about the time I started having trouble, my direct deposit is credited at the end of the day, rather than first thing Thursday morning as it had been for years previous. I had paid my utility bills online that Thursday afternoon, at work, and they drew my account negative before my check cleared. And it all spiraled out from there. In the end, they graciously forgave the negative balance I still had on the account, which was around 200. But they refused to do anything more than zero out my account. I estimate they took over 1000 in fees during that timeEdit: that time about 4 months, that I never recovered.I closed my account, and went to another bank. How would you have handled this?  <response>: How would you have handled this?Stop using my debit card. You cant overspend cash.I am confused, did you not notice you had a negative balance and overdraft fees for 4 months? 