[VVertigo]

Yes, that is probably true: I have kept a minimum balance ever since opening the bank account so I am not really familiar with how it all works. I have heard the horror stories though about how the bank will order the transactions to incur the maximum fees (at $20 or more per transaction) if you miscalculate the balance when the bank account is close to empty.

[katbyte]

More an American thing I think, for rbc in Canada it’s a 5$ fee to handle the overdraft.