I had an account at a credit union but closed the account the second they overdrafted me for something.. My insurance bill came in at midnight and my paycheck came in at 4 am and they fucking overdrafted me.. Deny the transaction, fuck, tell the insurance company with an automated email that they'll add a notice to my account regarding insufficient funds and let me know about it the next time I stop in. If the insurance company gets their pants in a knot about a gap between payments then that's my fucking problem, don't just take money out of thin fucking air and charge me extra for doing so, you crazy fucking bastards