Pay attention to their rules because it is a business and not their place to education you about your finances but I recommend your local credit union
Best of luck
Of course not. Nothing they'd rather do, then to provide you with endless amounts of money, even though you have none in your account.
They live for that kind of stuff.
More likely, you can screw yourself over. My observation is that most complaints about banks "screwing people over" trace back to the actions of the complainer - not the bank.
You bet they can.
They hit you with charges, expenses and fees for
every transaction.
If you don't follow their rules, of course!
Oh you bet they can! They have internal seminars on how to do it.
Sure, you're not special.