you guys are all [censor]ing idiots! what the hell do you expect to happen when you spend more money than you have? should you just be allowed to spend spend spend until what? NO if you want to spend more than what you have go apply for a credit card! start being accountable for your actions, take a 2nd grade math class so you can learn how to balance a check book and stop wasting money on [censor] you dont need! i hope banks raise the overdraft fee to 50$ because they need to teach people a lesson!