this post was submitted on 25 Jan 2024
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Banks need it /s (lemy.lol)
submitted 9 months ago* (last edited 9 months ago) by King@lemy.lol to c/whitepeopletwitter@sh.itjust.works
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[–] shalafi@lemmy.world 5 points 9 months ago

Did you specifically ask the bank to disable overdraft protection? They can be really weaselly about turning it off. They HAVE to turn if off. By law.

https://www.fdic.gov/resources/consumers/consumer-news/2021-12.html

In general, for debit card transactions at ATMs or at merchants, consumers must opt-in, or agree up front, that the bank can charge you an overdraft fee for any debit card transaction that overdraws the account. If you don’t opt-in, you can’t be charged a fee. However, your bank may refuse your purchase if it will overdraw your account.