<prompt> Human: I switched banks a while back and it turns out my gyms manager never switched the system over to the new account. I now have 120 in overdraft fees. What are my options?  <response>: Banks have their own credit report system called ChexSystems. If you dont pay your overdraft fees, youll get a derogatory mark on this report. Almost every bank in the future will refuse to allow you to open an account.What to do? Talk to the bank and get it fixed. They may involve paying 120. Be sure to talk to the gym too to avoid racking up more overdraft fees. 