Thanks for the response Kristen. I've tried Quicken a few times but find what happens are the "credit" charges from my debit card sneak up on me since they do not show up right away on my statement.

I've asked to have it removed and WaMu acted clueless and said I could have them transfer money from my savings, for a fee (I laughed), or set up a line of credit.

Sounds like I need to figure out a better way to keep on top of the charges that I forget about, as well as find a new bank that doesn't nickel and dime me.

Hi -

We agree that overdraft protection rarely offers true "protection" - it usually just provides your bank some nice hefty fees.

The obvious fix is to keep track of your budget. There are lots of financial software programs that can help you budget. Find reviews here: http://www.filife.com/topics/financial-software.

Another fix: ask you bank to get rid of your overdraft protection. If you ask nicely - they might just listen.

Kristen