I Want Your 29 Dollars Now.

When you have a deposit account with a bank or credit union, you are getting financial services from that institution in exchange for your deposit. Overdraft coverage is essentially the extending of temporary credit, which the bank or credit union offers as a courtesy to you, in exchange for a fee. They are under no obligation to do so, but if they offer it, and you opt in, then you have accepted the terms of the offer. In fact, many banks will often waive the fee for the "first offence," if asked. So it is rather hard to sympathize with you. If you have trouble with spending beyond your available balance, then the available solutions are: (1) opting out of overdraft coverage, knowing that if you have insufficient funds the debit card transaction will be rejected; (2) using a credit card, rather than a debit card, and paying your balance in full every month; (3) paying in cash only as much as possible. By the way, there already is a law supposedly "protecting" consumers from overdraft fees. It is called Dodd-Frank, and it requires the customer to opt in for overdraft coverage. The very fact that you have it means that you have already opted in. Did the credit union coerce or trick you into accepting it? Why are you blaming your credit union for your own free choice? I think that your expectations are unfair to the unfortunate credit union that has you as a customer.