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Appreciation post: my bank charged me $35 for a $4 coffee, and I finally got why
I was at a cafe in Denver buying a $4 latte and my card got declined, which made zero sense because I had $600 in checking. Turns out I had opted into overdraft protection back in 2019 and never turned it off, so every small swipe was pulling from a linked savings account with a $35 fee per hit. I sat there and added it up and I had paid $210 in fees over 3 months on stuff like gum and parking meters. Some folks say overdraft is a lifesaver when rent hits, others say it's just a payday loan with extra steps. Where do you all land on it?
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