<prompt> Human: My fiancee and I have a joint checking account but we still have our respective individual checking accounts, mainly because our parents are attached to them. We plan on closing them soon.Since our money is pooled into the joint account, my personal account stays relatively low. I made Paypal purchase yesterday, which dropped the balance in my account to 2 and odd change. I log in today to see that the bank debited the monthly 3 no direct deposit attached maintenance fee from my account, putting me 1 and change under.If they charge me a 35 overdraft, Im going to hit the roof. I could understand if I had overdrafted myself, but the monthly maint fee is random, so you never know when its going to be debited. To me, thats the banks fault.EDIT: I transferred online, after hours 5 from our joint to my account to bring it back up to positive, so hopefully it cancels out.  <response>: but the monthly maint fee is randomBank fees are a lot of things, but one thing they are not is random. Just call your bank and explain - if this is the first time thats happened then theyll probably waive it.To me, thats the banks fault.The bank didnt make the Paypal charge to your account that didnt have a high balance to cover this 3 possibility. It is not the banks fault. 