Overdraft Fee Firewall

How It Works

Overdraft and NSF fees are frequent, expensive, and often preventable. This

skill analyzes what triggered your overdrafts, builds guardrails to prevent

future ones, and gives you a script to request refunds and change your account

settings.

What You Get

• A root-cause analysis of recent overdraft events (timing, holds, autopay, transfers)
• A prevention plan with buffer targets, alert thresholds, and timing fixes
• A bank call script to request fee reversals and change overdraft settings
• Safer operating rules (safe-to-spend number, bill buckets, autopay timing)
• A "next 3 actions" list for the next 7 days

Setup Steps

1. Pull up the last 1–3 times you were charged an overdraft or NSF fee (date, merchant, amount)
2. Note your pay schedule and which bills are on autopay
3. Check whether low-balance alerts are enabled on your account
4. Run the skill with this info
5. Make the recommended calls and setting changes within 7 days

Tips

• Authorization holds (gas stations, hotels, restaurants) are a common hidden cause
• A "two-account" system — one for bills, one for spending — can prevent most overdrafts
• Banks often reverse fees if you ask politely; the script helps with that
• If the root cause is income instability, pair this with "Paycheck Planner"