<prompt> Human: Okay so i have a stupid question. I am 20 years old and this is my first real bank account. I have an account at wells fargo and i tried to have them turn off my overdraft protection so that my card would just decline. This is a student account by the way. They tried doing that but my card was still overdrafting if i went over so i went in again and they told me the only way to make that stop was to unlink my savings account and my checking account. They said now the only way my account would overdraft is if i had an automatic payment and then i would have to pay 30. Fast forward to now, my card overdrafted 4 times and it made me pay an overdraft protection fee. I know im stupid with money, but they told me it would stop. Is there anything i can do or am i going to have to pay the 150 in fees?  <response>: Dont put any recurring payments e.g. Netflix on an account where you might not have money in it. 