I always get them, in fact i get them so often i am about to leave my bank. As i am under 18 I shouldnt be allowed an overdraft, but the bank likes letting me have it so they can charge me extra. All that happens is I loose my rag because I say “look im under 18 so you are breaking the law” and the let me off. DONT BANK WITH NAT WEST, they are shockingly bad.