Warning: picayune alert. This happened almost ten years ago, and I spent a bit of time reconstructing the memory. I had a co-worker in my low-paying job. She had it worse than me (always having to miss work due to illness, and there were no paid sick days).
She signed up for direct deposit (like me, she'd started with biweekly cheques), but accidentally gave payroll the information for the wrong bank account. She owned up to that part, but seemed furious about the situation she'd ended up in. Not because cheques were bouncing, or missing pre-authorized withdrawals, or anything like that.
She was ticked because the "wrong" bank account never had more than $4 in it before. It usually was at $0, but she would transfer $4 into it by the end of the month to pay for the bank charge. She was spending $4 per month on a bank account she wasn't using. She didn't say how much her regular bank account cost per month. It's only $4, but that's $4 you just don't need to waste. I don't get some people.