Your bank account hits zero, and the meter starts running. Not metaphorically. Not emotionally. Literally. At some financial institutions, the moment your balance dips below zero, a daily overdraft fee can begin stacking up day after day until you bring the account positive again. That structure turns one mistake or one tight week into a cascade of charges that feel wildly out of proportion to the original shortfall. While many large banks have eliminated this practice in recent years, a number of institutions still use it, and if you do not know the rules attached to your account, you could pay far more than you expect.
