How quaint. Not actually comparable to the OPs situation, but cute and condescending none the less.

1. You assume the OP has the money to create a cushion in his account or pay additional fees to get overdraft coverage and just chooses to live near the edge.. He may be living paycheck to paycheck and carefully budgeting to simply avoid spending more than he takes in every month.

2. Online bank account entries should be consistent with the bank's own records. It's not a gas tank gauge with empty, 1/4, 1/2, 3/4 and full marks that may or may not be reliable. It's an electronic records system. There's an expectation that it's accurate.