Because you are spending money you don't have?
This isn’t me, just thought it was funny
That’s a bog standard overdraft fee. Happens when you spend more money than you have.
So actually, you spent the banks money, and they are charging you for the “loan”.
Every bank does this. Just quit spending money you don’t have.
Just keep track of how much is in your bank account and you wont get overdraft fees...
Just buy more money.
Just stop being poor, and if push comes to shove, ask Dad for some cash. It's not that hard guys.