No, there is a good purpose for overdraft fees. Consumers can opt for overdraft protection when it is offered at some banks. This is a good option and a convenience to avoid fees if overdrafts are not a common occurrence. To avoid overdraft fees is an effort for individuals to discipline themselves and maintain a balanced checkbook and budget. Many people may experience the occasional overdraft for a variety of reasons but a habit of overdrafts doesn’t do any individual any favors long term and your credit score takes a negative hit also.