Terrible bank, like most that aren't credit unions, they have over leveraged tens of billions against individual account balances and been a leaky sieve in tech security.
I have no idea why most people don't use credit unions. I guess just ignorance. My "overdraft fee" is "keep at least $50 in your savings account and we won't charge you one."
No, there is no fee (well maybe if you overdraft like $500, I don't know). They don't take money out. I'm not sure how that works out. I guess they figure if you have that money in there, you're going to transfer it before you overdraw?