Workers with lower-than-median wages are often prone to financial instability and affected by bank policies such as penalty and overdraft fees, leading to a vicious cycle of debt and poor credit. During 2016 alone, banks made over $30 billion from overdraft fees. The workers with the least financial cushion are typically the most vulnerable in these situations. This summer, as a part of our Science for Social Good program, we partnered with New York City-based organization Neighborhood Trust Financial Partners to tackle this problem. One of the main goals of Neighborhood Trust is to empower low-income individuals and families to become productive participants in the financial system.