That might work. Still have her sign you up for overdraft protection. 5/3 doesn't mention it until your already in the whole. Of course it doesn't stop you from going in the whole, but it does give you 30 days to get back out (with some interest charged if not paid by then.)
Yeah you do a good job with your money, but the banks don't make it easy. It would work against their bottom lines.
Actually I checked with Julie and her branch did 40K last month in overdraft fees. I didn't think that was the only fee on that chart, but she confirmed that it was.
Evan