Can a bank take overdraft fees from benefits paid into my account? I have been told by someone that banks cannot legally debit fees from benefits. They told me I should be able to reclaim some if not all of the charges the bank had debited from my account. My example is that I was working couple of years ago, full time, decent wage, upgraded my account at the time to include overdraft facility. Unfortunately I had to give up work to become a full time carer for my father who was terminally ill so was in receipt of benefits as a result. Now my bank charges me for an overdraft fee and an account fee monthly which I'm ok about, but the thing is, partly my own fault as I was on such a low income whilst on benefits (& still am) I would sometimes go a few pounds over my overdraft limit, causing the bank to charge me an extra 50 quid in fees. As a result, this has perpetuated my debt further as it has become almost impossible to keep my head above water whilst having to deal with such fees, causing me to go over my limit almost monthly. Further example, I got paid my ESA the other day, but over 60 quid had been taken by the bank meaning that I'm now 60 quid short before I've even started. Any advice welcome.