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I love it when people overdraft, they pay my salary! On the flip side I do counsel against it and try to get people to quit. While I like having them pay my salary, I do not like having them end up on ChexSystems and in collections. Very few banks will mess with people on Chex. Some banks even report them for a single overdraft which I believe is a farce, but its their business to run right?
Most places offer overdraft protaction and more and more banks are offering an opt-out for the negative debit card trannies. Reason they allow it is what if there was an emergency???? You would likely rather have the funds and the fee.
I would try and get her in to overspenders anonymous. (Hope it helps)
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