<prompt> Human: Seriously, going over by a little as 10 dollars can slap your account with a 35 fee. I think these fees unfairly target the poor. Some banks can charge you a couple hundred dollars in fees, PER DAY. This makes for a much larger hole to dig yourself out of, especially for those making little or no money. Yes I do realize you can opt out of protection, but this is besides the point and doesnt always work.  <response>: Seriously, going over by a little as 10 dollars can slap your account with a 35 feeDont spend more than whats in your bank account? 