I think that although the banking system is different all around the world, money making methods are the same. Anyone who's been slapped with an overdraft fee knows just how expensive and frustrating they can be.
While bank customers feel it’s a sneaky way banks can “get” them and charge fees, the best way to avoid this is to make sure you have a decent amount of extra cash in your accounts.
Think of it this way, keeping an extra $100 in your checking account may save you money in the long run (overdraft fees are around $35 a pop!), while giving you peace of mind.
I live as a sudden experience, I felt get ripped off.