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I don’t blame them, places like Citibank and Chase exist to dip into your account as frequently as possible. Do you think it really costs $45 to handle a bounced check? It’s a completely automated process, costs them a fraction of a cent if you agreed to electronic documents, the rest is pure gravy.

However if your in the US and having trouble with the banks I’d recommend looking for “millennial” banking which is usually zero fee, but you can’t write paper checks and they are remote only.

My wife was paying almost a thousand a month in fees at a regular bank, after I moved her to one of the millennial banks she really prospered. She can’t overdraw the account anymore - and it’s not really an issue since the bank is no longer taking half her paycheck.