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No, dont, every purchase you make will come with a 20-30$ fee, so even if you spend 10$ on lunch it will end up costing you about 40$. 'spensive food. Go to a grocery store, buy some gum and get 100$ cash back with a check.

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I don't get this...who is your financial institution? Bank of Cuba?

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I believe all the major banks around here (bank of america, usbank etc), charge a per transaction fee. If you over draft your account, once you are in the red, every transaction is assessed a fee, not just 1 fee for being negative.

edit- Im positive USbank charges a fee per trans, because I just switched over to them, and kept a small balance (100$) while my Bank of America account got all my checks cleared etc, and I accidently wrote about 10 checks to my USbank account, becaue I grabbed the wrong book. Ive never over drafted my BoA account