Your current one as in, your credit union is the one charging you these “insufficient fund” fees?
I’m admittedly not educated in the law of banks and credit unions, but I have a feeling they aren’t meant to be doing that… not that the little man like you or I could do much about it 🤷🏾♂️
That’s rough buddy. Time to get a fake identity and open an account in a different state with stricter banking laws