How to stop getting bank overdraft fees (no, seriously)
For a long time, DH and I were in this nasty cycle of getting overdrawn every damn week. Then Thursday would come, the fridge would be empty, and I'd go float a check. No gas money to get to work? Go over-write for $25 an float that bitch. It always bit us in the ass, but for a time that was the only way we could get by. Every week we were paying $100-300++ in negative balances (we had some seriously good overdraft protection).
Then we broke the cycle. We said screw it. The bank closed our account and we paid what w could afford to them until it was paid off.
We now use the (insert name of the largest and crappiest retailer in the US) American Express prepay debit cards. No overdraft fees!!
And now Kroger has an awesome Visa prepay card where you can earn fuel points for every dollar you spend, even on paying bills. I'm stoked because not everywhere takes Amex. Especially paying bills online/phone.
So there you have it. I don't advise closing your bank account if you can avoid it, but you can definitely stop the cycle without giving up the convenience of plastic.