You're the one that opted-in to receive these overdraft fees in the first place deciding that the ability to overdraft $3 is worth the cost of overdraft fees the bank disclosed to you. Someone who is not working should have ample time to balance their checkbook and avoid this predicament in the first place. Better yet, why don't you take your computer/ photoshopping skills so beautifully displayed here and get a job instead of wasting tax payers hard earned money.