Overdraft Fees

The topic for today is Overdraft fees. Who doesn't hate those fees. Everybody claims they have overdraft protection that you can add to your account but when you add it its like it doesn't do anything for you. What's the difference of having it or not you still being charge the same amount. So according to wikipedia overdraft is when withdrawals from a bank account exceed the available balance which gives the account a negative balance. Now through personal experience i have dealt with charges like this and they are very cruel. The reason why i say this is because even by a fricking penny or nickel your still being charge the full overdraft fee. Now when you call the bank they tell you that you should track your account by writing down every time you used your card but let's be real who always write down every single transaction. We all get distracted and forget to put it down on paper.

Next is the idea of an online account that you can see how much you have and what's being taken out but its never accurate like what's the point. Then on top of that they have you choose if you want overdraft protection on your account depending on some banks they might make you choose to open a credit with them that you can use to put towards purchases made with out over drafting your account but who wants to owe money to the bank that just adding more negative to your name because it isn't your money being spent. Why can't they just leave the account to what you have in there and not approve what you don't have in the bank. I think if they did that more people would be willing to stick with their bank and not switch or close their account but i guess that how they make money but it isn't fair to other people out there who expect them to be on top off things by posting up what really available in your account but hey that why most people don't have bank account because of hidden fees or ridiculous one's you save more when you keep your money in your pocket and not trust other people with it. Well that's my opinion on that let me know what you think. Is it best to trust the bank with your money or is it safer in your pockets?