Managing an account: Checking or savings account

I am a school teacher and a primary caregiver for my father, who is undergoing dialysis. I am facing severe financial hardship. I recently deposited my paycheck into my Chase checking account to bring my balance forward. However, the entire deposit was immediately swallowed by accumulated overdraft fees, leaving me with a negative balance and unable to afford basic living necessities or medical care for my father. I have contacted Chase customer service multiple times, but they gave me a rigid, automated response stating that I have reached a " calendar year limit '' for fee reversals. They refused to escalate my case. While I understand Chase 's standard policy, these fees have created a predatory cycle that makes it impossible for an underpaid educator and caregiver to recover. I acted in good faith by depositing my paycheck immediately. I am requesting that a corporate consumer relations representative review my account history, show human discretion given my emergency caregiving circumstances, and waive these fees so I can keep my account open and care for my family.