Reply #13: Thank you thank you for posting this. When we signed up with our local

[truedelphi]

Credit Union, we explained we would rather not have a debit/credit card. We actually pleaded with them to not issue one for us. We were told there was no way to not have one - we were stuck with it as part of the banking program.

After M. became sick, and we lost a lot of our income, and were usually really stressed, so we ended up running up a huge amount of overdraft fees exactly as the OP Describes. (Some $ 19 worth of purchases caused something like $ 256 in charges.)

We kept getting called up by the Credit Union, about our paying the charges. We finally scraped together the $ 256 and came in to the building with it. The Credit Union agreed to take us back, but get this - AS PUNISHMENT - THEY WERE NOT GIVING US A CREDIT/DEBIT CARD!!

Go figure...