<prompt> Human: Ill try to make this situation as quick to go through as possible.Background: Last year or so has been bumpy as Ive been changing jobs a lot. Last over draft was via gym membership its one of two automatic drafts I have set up atm That was over 6 months ago. When that happened I had sworn I had set up overdraft protection Turned off -- Ive had this conversation before. I know you are suppost to be unenrolled in overdraft protection to have your card decline negative balance transactions. This is what I meant -- before but they had told me I was not enrolled in that program so I had them enroll me. Since then I had enrolled in a new notification program they were advertising and set it up to text me when my balance reaches below a certain amount 40. Monday 1016 I had a 2x gym memberships go through automatic draft. One for me and one for my girlfriend. Each 10 Tuesday 1017 my Acorns account pulled 5 Wednesday 1018 Didnt hear anything. Did not use the card as I use my cashback credit card for everyday purchases. Thursday 1019 evening I get a notification via text that my account balance was under the threshold I had set previously. This morning 1020 I receive an email notifying me that my account has been over drafted 105 bringing my total balance to -150ish. It is now Friday afternoon and I am at work. Spent my entire lunch trying to get someone on the phone to speak with. I talked to three reps. two of which dropped the call before I could even start a conversation. Which I find shady because the call never dropped during either of the 20 min wait times. The last guy tells me that I was not enrolled in overdraft protection and have not been since 2016, and furthermore, even if I was it wouldnt help as that does not cover automatic drafts. I had to let him go so I could get back to work, but he made it clear they would not be writing off the fees. His reasoning: The low balance notification usually take 1-2 days to be sent out He literally told me this The over draft email goes out 1-2 days after it happens as well. I should have known to have enough in there to cover for these transactions. I tried explaining, how should I know my balance is low if Im not getting TDs low balance notification. It was like talking to a wall. He just kept repeating how it takes 1-2 days for the notifications to go out. So, is there any chance I can get my cash back and also any recommendations for banks in Florida? No fees. Open Saturday and open past 5pm. Assistant: Well, he is right. You should know what your balance is even without the alert. Human: Okay, well listen. I know this. We all know this. That is pretty obvious, but what would be the point of this alert? There is no point in having low-balance notifications if they come in 1-2 days 3 in my case after they are able to charge your account fees. Lets be honest. This is a very shady business practice and is obviously not meant to help you manage your account and not overdraft.  <response>: Im not going to deny the delay in notification is pretty lame. However, it doesnt mean you can just ignore your bank balance.If feel like things like alerts are sold has being helpful, when in reality it makes people lazy about checking their finances. Also if you are comfortable running your balance down to 40 you are going to be at a greater risk of overdraft. Alert of not. Its often too late. Most banks are for profit and make money off of fees. Its your responsibility to make sure things like that dont happened.While I have alerts set up, I check my accounts a few times a week just to make sure nothing funny is going on.Chalk it up to lessons learned. 