[jkestner]

I think the EULA comparison is valid because in my case, the rules that explain that behavior (perhaps a transfer from another bank may take "1-3 days to be accessible") are also probably written somewhere, but the overall amount of noise, added to the noise of my daily worries, means that I'm likely to miss it.

I'm not going insert into the conversation a guess of what percentage of overdrafts are fair/unfair. I agree that many overdrafts are the exclusively fault of the account holder, but I tend to grant leeway when the bank has a general history of "being a dick."