Short answer: it's Overdraft Fee charging you $25–$35.
| Charge: | OVERDRAFT FEE |
| Service: | Overdraft Fee |
| Amount: | $25–$35/mo |
| Category: | banking |
| Legitimate: | ✅ Yes (if you signed up) |
Overdraft fees hit when you spend more than your account balance and the bank covers the transaction (instead of declining it). At $35/pop, overdraft fees can snowball — one bad day can cost $100+.
Opt OUT of overdraft protection (yes, opt out). Call your bank or go to settings → overdraft → decline transactions instead of covering them. Many banks now offer low-balance alerts and $50 cushions.
Call your bank — most will refund 1-2 overdraft fees per year as a courtesy. Mention you're considering switching banks. Capital One, Ally, and Chime have eliminated overdraft fees.
If “OVERDRAFT FEE” surprised you, there might be more subscriptions hiding on your bank statement. Upload your statement and we'll find every recurring charge — with cancel links for each one.
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