i love first convenience bank! all banks have overdraft charges if you manege your money right it wont happen to you the [tellers cant always be there to hold your hand when you spend your money} GROW UP! LEARN HOW TO manege YOUR MONEY! THEY HAVE GRAT customer SERVICEs! I GUESS IF YOU CANT Manege YOUR MONEY THEN LET YOUR MOMYS AND DADS do IT FOR YOU! get over it! you work hard for your money! take care of it!