this post was submitted on 12 Mar 2026
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was this really an issue?
When I lived in the US it was incredibly easy to overdraw at the bank due to how they process debits. This was naturally by design.
Here in Canada I can't even recall the last time I overdrew and got an NSF fee. the debits are processed differently here where it makes it almost impossible to overdraw. I'm by no means an expert on banking but I honestly don't think I've ever overdrawn. If I didn't have enough money it was just declined.
Did you read the post? 1/3 Canadians incur one of these fees per year, $600M annual savings. So yes, it’s an issue.