I saw an interesting report this weekend on how truly predatory some of our bank’s overdraft fee policies are. Of course no one likes them, but one (slightly strange-looking) guy decided to fight back. He asked none other than perennial Green Party presidential candidate and consumer advocate Ralph Nader what he should do.

Nader offers some good advice and the guy ends up getting his money back. Turns out if we all did this, the banks would flip their shit. Or eventually, simply hire more lawyers to defend themselves. But for now here’s a way you can ‘beat the bank’: