Go elsewhere, or store your money under your mattress if that's more convenient for you. Who makes you bank with them?
>$35.00 overdraft fees?
It's a short term loan, albeit an expensive one. Should it be free? Perhaps thy should just NSF the payment? They can if you tell them to.
There is the greater issue, to be sure of managing finances, but charging this fee on -electronic- transactions is highway robbery. Just say "DECLINED" and go on your way.
Oh, and for shits and giggles - Declined? Your friendly helpful cashier may say "Oh, it didn't go through" and swipe your card again. Ding. Now you have SEVENTY dollars in NSF fees.
Good luck getting that fee dropped too. "One courtesy fee reversal per customer per year".
See https://www.bankofamerica.com/content/documents/deposits/ser... for an explanation