<prompt> Human: Hi all,currently Im banking with BBT and it sucks. The problem that I have is my work is behind the times. We still get paper checks, no direct deposit. So when I go to the bank in person to deposit my check, I only get 100 the first day and the rest the next.This is a problem because of bills that are due and things I need to get done when I get paid, but I cant because Im only getting 100.Another problem I have is my account overdrafted by a couple dollars and they added a 36 overdraft fee. Id like a bank that either doesnt let my account go over, or doesnt charge nearly as much. Mainly I just need a basic checking and savings account. Ive heard good things about credit unions, I just dont know which ones are good.If it helps any, I live in North Carolina.Thanks  <response>: Your problem is not because of your bank. Your problem is because of how you budget. No bank is going to give you immediate availablility when you deposit your check UNLESS you have enough in the account to cover the full amount, OR the check is written from an account at that same bank. Every bank will also charge you for an overdraft - Now, as part of regulatory changes in the last 10 years, you do have the ability to make a decision in how you want them to handle overdrafts especiallyy in regards to your debit card transactions - so stop into a bank and ask what options they have. 