This bank not only charges you $36.00 for going a couple of dollars over but then continues to charge you $7.00 a day until you pay up. In my case because its an account that i only use once a month, they are charging me $147.00 for going over $6.03. The only reason it went over is because they charged a $7.00 monthly fee for doing nothing, as far as I can see. Listen to others, run away from this place. They dont care about you, only the $$ I'm on a fixed income and they have refused to do anything about this. That money is half of my food cost for the month. Now I'll be going hungry until I can make this up.