I never was behind paying my bills, but I had to go onto Social Security Disability a few years ago, and that is the only income I have. I got a checking account at one major bank, and a year ago I switchd to Chase. In one year I have paid about $3000 on overdraft fees and though I tried to discus this issue with them several times, they have been cold and heartless. Obviously, when I have to pay these fees, I can't pay my bills, and I am more behind than ever.
Even if I am overdrawn by $5.00, I get charged $35.
I really hate the whole banking system, but I have no choice but to have an account. Though my story is not unusual, I feel like we are all victims, and I resent that they are "bailed out" but they won't give their clients one break.