<prompt> Human: This is on my front page right now probably many of ours, and its not the link or the settlement or whatever that I want to draw attention to. Its the screen after screen after screen of comments by people who dont maintain a spreadsheet or keep a check register to know how much money they have.I work for a bank and was a teller for a year and a half. I do sympathize with those complaining in the thread about how BoA structured payments in such a way as to maximize fees, even though I can give some unimportant technical reason why sometimes this might be legitimate and BoA is not the only bank which does this. But that said:If you overdraw your bank account it is your own damn fault.Your bank keeps its own books and so should you. Do not rely on online banking, or your mobile app, or an ATM or god forbid a three month old paper statement, but you better believe Ive seen it done to keep track of your balance or tell you how much money you have available at the moment.Your bank doesnt care what your balance is. That might even be generous, because humans arent handling any of the above mentioned processes anyway. You need to be tracking your own finances. Depending on the size of your bank it has thousands and thousands or even millions of clientsaccounts, and no one is babysitting yours. You need to be babysitting yours. The bank is not going to hold your hand through keeping your books balance. It has neither the time nor manpower to do that for everyone, but every one of those clients does have the responsibility to keep track of their own accounts. So do it.The only thing you should be doing with statements or online banking or whatever is a keeping track of whats cleared your account this especially pertains to checks, b making sure the bank hasnt made an error uncommon, but happens, and c making sure you havent made an error yourself hopefully also uncommon.I know that the regulars around here already have this sort of affair in order, but I just feel like this sort of thing still needs to be said. Maybe someone new will stumble on this post, or maybe a link to this post will get sent to someone who needs to read it. I dont know. I am not heartless about these things, but as someone who did overdraw a couple of times in college and how has some experience in the banking industry, I realize that some people have a fundamental misunderstand of what responsibilities the bank has and what responsibilities the client has. It is not the banks responsibility to make sure you do not overdraw: this is your responsibility.Also, some free, related advice Ill throw in at the end here: do yourself a favor and get a copy of your banks fee schedule so you can familiarize yourself with what they charge and why. And if you really love yourself youll get the fee schedules from other banks around town, compare them with your banks schedule, and then you can shop around and figure out if maybe your bank really is fucking you over after all.EDIT: This garnered more attention than I expected, so Ill state a couple things just for clarification. Im absolutely not defending BoAs policies or practices or commenting at all on this suit itself FWIW: I no love for BoA, would never bank with them. Personally, I think re-ordering deposits and withdrawals should be illegal, or, even better, since banks would face no additional risk of loss by doing this, it should be regulated that all deposits process first before withdrawal begin to process outside of business hours. Nevertheless, I stand by my statement that your account is your own responsibility, and Im very surprised at how many people in pf! are completely missing the point of my post and hopping on the BoA-hate bandwagon. Again, the purpose of the link was to show the comments in the thread, not really do argue about BoAs shady business dealings.EDIT 2: I could have posted this without any of the text above the bolded line. The BoA stuff is nothing more than a springboard to talk about keeping track of your own finances. Which doesnt mean the BoA stuff isnt worth talking about, but if youre focusing on that or have concluded that its what Im talking about... then youve completely missed the point here.  <response>: I just leave a typical balance in my checking account thats about 1.5x my monthly expenses. Yeah, I guess Im giving up a couple dollars of potential interest each month, but its worth it to have a zero effort situation with no risk of overdraft from regular use. I do check the statements every month for frauderrors, of course. 