Calling my bank to get a fee refunded is truly one of my least favorite things to do. You most likely feel the same way, but I'm here to tell you it's worth it. Banks made $11.6 billion in overdraft fees in 2015 and they are counting on you to begrudgingly do nothing about these ethically questionable fees despite a bill passed in 2010 that explicitly requires you to opt-in for 'overdraft protection'.
At 22, I was professionally flailing. I'd spent my three years since dropping out of college working at a hardware chain and then at a clothing store, finally realizing after too much managerial drama that I didn't want a future in folding jeans. So, after too many shifts spent crying over the cash register and educating my 17-year-old employees on the symptoms of a quarter-life crisis, I asked a friend for an in at the bank across the street. She worked there, she liked it, and she thought I would too. So I bought a fancy interview outfit, updated my resume, and found myself hired for a new branch about 20 minutes away.