I'm going to have to use every ounce of strength within me to stop myself from RIPPING THE BANK MANAGER A NEW ASSHOLE tomorrow. I've got to talk to her about the $5 overdraft fee they take from me every time my checking balance goes into the negative. Yes, I should manage my money a little better, but the whole point of getting the overdraft protection plan was to avoid these little dilemmas. Below I have quoted the Berkshire Bank website on their overdraft policy and I'd like someone to show me the line that says "WE WILL TAKE $5 FROM YOU FOR YOUR NEGLIGENCE, YOU IDIOT", because all I can see is "THERE IS NO TRANSFER FEE." Save money with Automatic Transfer Service for overdraft protection from your statement savings to your checking account. Funds will be transferred when there is not enough money in your checking account to cover your checks. We will transfer the exact amount of the overdraft and notify you when a transfer has been made. There is no transfer fee saving you from costly overdraft fees and returned check charges.