For quite some time I have been upset with banks in that ludicrous interest rates are being charged under the shelter of "fees". Yes, sure banks have to make there money; on the other hand they don't have to take a 1/4 of a check either (*Most of us, I assume, have been there); I mean, literally "How I am supposed to survive?", I'm thinking to myself & aloud on the phone with the WF representative. It is moments like the one where this man, a customer service agent presumably of Asian descent, said "Sir, we are going to go ahead and take care of the four overdraft charges totaling $160." that truly restore your faith in the world. I was so caught off guard I had forgotten to say thank you in action; I was thinking, man, that guy -- going off and making peoples days and what not. I imagine if thanks in person he'd say, "just doing my job." He made me feel valued as a customer, and on a more personal level, valued as a member of our community. I'm not sure he expected a thank you; nonetheless, thank you.*** That being said, providing customers with the option of "charge declined" as opposed to overdraft need be considered a financial right; e.g. on an upper bound this happening to an individual on multiple accounts due to week long deviations in account balances as far as reflecting accurate principal - they might just be in a pickle; and is this justified? In my case, yes as many times I have been provided leniency and intend to establish a savings balance for overdraft protect; should fees yet be associated with this, I almost with a surety will be finding a bank that ascertains the basic right of non-obligatory debt; i.e. fees wherein an individual's bank would realistically provide the customer the option of rejecting chargers on the basis of insufficient funds. I understand good intent. I do, I see that Wells Fargo cares about its customers, to the extent that they are willing to lose a customer in order that they without misdirection, guide their clientele to becoming financially responsible citizens. I always strive to see most definitively the positive motives behind any given choice. Thanks for being a great bank, going on approximately 9 years now! Thank you WF, thank you. HessJ.