Let’s try and keep this on topic! Some pointers for other places to talk about stuff:
For Post Office deposits, let’s chat here
For PayPoint deposits, press 2, it’s here
On overdraft fees, please say “my name is my password clearly after the beep” jump over here (with a little more regulation background here if you’re so inclined).
And - just a suggestion - where we have different opinions on things, let’s accept that and move on. Otherwise the thread will continue with a ‘my opinion is better than your opinion’ exchange for a bit before getting locked 
- that would make me sad.