Banks preparing to charge for debit card usage

[mooby]

I'm about to switch to Navy Federal, I apparently spoke too soon when I said Wells Fargo hasn't charged me any dumb fees yet. They just charged me 12.50 in an "overdraft transfer fee", so apparently even if you have money in a savings account to backup your checking, they're still gonna charge you a ridiculous fee just to transfer it to your checking to cover the purchase. I only think it's ridiculous because the fee in question actually cost more than the purchase I made.