Agreed, if my account drops below 300 its like I'm broke as far as I'm concerned. Only because I have automatic payment set up for just about everything though. Before I started doing that I would get burned as least once a year because "I forgot" something was coming out. Its really not that hard once you get used to it.
I actually just got an opt-in notice from charter one. According to the letter they can still overdraft for automatic payments and checks. Everything else will be declined however unless I fill out this handy form they sent me. As if! They were even nice enough to list all the benefits of being able to overdraft . Anyway I tore it up.
Spiderman, Spiderman,
Does whatever a spider can
Spins a web, any size,
Catches thieves just like flies
Look Out!
Here comes the Spiderman.
Is he strong?
Listen bud,
He's got radioactive blood.
Can he swing from a thread
Take a look overhead
Hey, there
There goes the Spiderman.