<prompt> Human: Im 26, currently out of work, and am trying to manage my savings so that I can liveeatexist comfortably until I get my next job. Recently, I had about 1,000 in the bank and 9k in IRA401k accounts. I paid 500 in bills and saw that the number had dwindled to 200.I called my credit union and found out that there was 100 in my checking account and 900 in savings, both linked, and that every time I had made a transaction, they charged 5 based on a fund transfer to access my own money. They then told me that they charged overdraft fees because due to Federal Regulation D they could treat my account as overdrawn because of the account limits.I moved all of my money into checking, but theyre not budging on the fees. Im not in a position where 300 is insignificant to me right now. I wanted to support a small credit union, but Im considering leaving them because this feels pretty usurious. Are there any bank accounts that I can sign up for that adhere to these regulations without imposing these insane fees? They didnt even notify me. Im pretty humiliated now.That aside, should I look into withdrawing from either of my retirement accounts? I am short now on money and can likely qualify it as an educational expense to avoid getting reamed on taxes.  <response>: I think you are misunderstanding your accounts. If you have 100 in checking and 900 in savings, you dont have 1000 to spend, you have 100 in checking and 900 in savings. VisaDebit cards and checkbooks are generally only linked to your checking account. Even though they are linked, they are separate. I have a savings account and a checking account that are linked. If I have 50 in checking and 100 in savings and make a purchase for 60, I get charged an overdraft fee because the bank has to transfer money into my checking account from my savings to cover the other 10. If I know I have 50 in checking and I transfer the 10 into my account, it costs nothing. Linking your accounts just means that instead of bouncing your check or denying your debit purchase, they will, for a small fee, transfer money from your savings to cover the remaining amount. My bank charges 10transfer. There is probably no way to recover those fees. I hope this helps. 