Look, is it fair that banks charge between $25-45, when you overdraw your checking account, by a dollar for a coffee or some nebulous purchase? Nope. Do they do it? A million times a day. Does it make people link checking (ez pass) to another account, for overdraft protection or know how much money is ALWAYS available for purchases? Probably. Are the fees you’re being assessed exorbitant? Yep. However, the state is strapped for cash and you can’t expect the state to figure it out. The taxpayer is always going to be in the wrong. It’s Rhode Island at its finest.