just get a regular bank. my roommate uses Chase and they don't do that stupid shit. you have to pay an overdraft fee, but the fee never doubles. so yeah. just open a new bank account and close your current one. There are LOTS of issues with online banking, you can ask my gf who does it and hates it.

But I don't do online banking, sure I have an online account I use to check on my funds, but I use my card mostly, and even went to my back todayto handle it. But I do plan to change banks and go with the same I've as mom.

if you use a card that's connected to an online bank, that's online banking. that inclues Ally Bank, Paypal, Schwab, and any other business that manages money that doesn't have a physical bank location.

i'd recommend Regions or Chase if they have any, because both are good and don't require any money to open an account. Also, Chase offers cash-back rewards, so it could save you a little money in the long run.