[Petronski]

I can check my account balance on my cell phone. Therefore, I never overspend with my debit card. People get whacked with overdraft charges because they are too stupid or irresponsible to keep track of their finances..

Some banks report pending balance v. available balance. Other banks will clear a deposit then jerk it back to pending. I've seen it. It's not as simple as you make it sound, and people are being exploited despite keeping track of their balances.

The banks' behavior in many of these cases is dishonest.

[NMEwithin]

I agree about the dishonesty. However, I can only speak from my own personal experience and I have never had an issue with this.