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I of course am less than thrilled that my account is over-drafting because then the bank thinks I suck, but what can I do, right?
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Banks <b>love</b> it when you overdraft; they get an additional fee that way.
All of these "convenience" mechanisms are there to set you up for overdraft. Don't let anyone, even your bank, have control of when debits occur. You can still pay online; but <b>you</b> should be the one in charge of when the payment goes out.