Yep, that's exactly the way it goes here too, only not at a percentage I think it's a flat rate of something insane like 35 for the first overdraft and 25 bucks a day until you pay it, meanwhile if you were already struggling to the point you overdrafted how are you coming up with that kind of accumulation? It's nuts. I quit using a bank for years because of a scenario like that one, stuck with pre paid visas and cash, now a bitpay card (love).  Though I am going to have to cave and get another account sadly. Did I tell you I published a book? Not one I've put on steemit. Anyway, it needs to be put up on amazon but alas the account must come first. My mom insists "Hon, you are much older and wiser, I'm sure you will not have any trouble with overdrafting at this stage in your life". Ha! The only reason that's true is because I will only use it for direct deposit and cash withdrawal, no automatic billpays or I'm bound to forget about one and think I have more in there then I do.

Okay, gotta get off that depressing annoying subject, haha! Talk about @jedau's suggested response to spammers instead (video below), and how I have the ghostbusters theme playing in my head for spambusters. When my brain is working more optimally maybe I'll make up a jingle :)

https://www.youtube.com/watch?v=07So_lJQyqw