<human>: My girlfriend has a savings/checking account with Wells Fargo. Her parents supply her with money for college, housing, and food expenses, by depositing it into her savings account. So my girlfriend will transfer some of her money into her checking account to spend. Sometimes she does not notice that her funds in her checking account are getting low. so if she uses her debit card and spends more than what is in the checking account, The bank will automatically transfer the money into the account from the savings and then charges her $12. She gets no notice of this, and the bank will continue to charge her $12 every time she spends money on the Debit card. 

Recently she  "upgraded" her account to a preferred checking/savings. so the other two accounts are supposed to be inactive. But her Health Insurance automatically withdrew $69 from the old account, and Wells Fargo charged her $35. and still no notice. 

To me all these transaction fees that are charged to her should be illegal. For a transaction that is automatically done by their computer system and no warning of it happening and/or the card not being declined, seems as if the bank is just stealing the money from her. I would understand the fee maybe if she had no money in any of her accounts and they charged her for until she did put money into the account. but not if she has all the money in one of the accounts that they take the money out of automatically. Why is this not illegal?

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<bot>: Wells Fargo charges $12 - $35 for overdraft fees on your checking account even after taking the money automatically from your savings account, and give no notice. This should be illegal and considered theft. Why is it not?