What do you mean by "great overdraft"? When they honor the transaction and charge you a $30-40 fee? Under pressure from Congress, most of the largest banks have now made that an option, with no overdraft protection the default.

I don't know about Kevin, but we have so much money on deposit with our bank and have done business with them for so many years that, the few times that something happened for which the bank charged us a fee, the branch manager immediately cancelled the fee.