being broke and having (i thought) a few hundred in my account, i thought i'd take out 20 at a time as so not to be tempted to blow it all quickly.
that was 6 overdraft fees right there.
that's right around the time it changed. remember back in the day, you try to buy something or withdraw cash and you didn't have the dough... IT DENIED THE TRANSACTION. that was my first experience with overdraft fees.
so if your bank offers it for free, get overdraft protection. it'll save you a lot of headaches.
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