this post was submitted on 23 Oct 2023
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Careful with the "overdraft protection" wording. You want it disabled, not enabled.
Yeah, I learned the hard way that I had to specifically ask the bank to just deny a charge instead of allowing it and then charging me a daily fee. What a fucking racket
I had it turned onto my account before, and I went in a told the manager if it gets turned back on, I’m coming back.
He asked if that was a veiled threat, and I calmly said, does it need to be for it to turned it off permanently? He responded, no and promptly said it will never turned back on.
It’s unfortunate that sometimes they force you to be pushy to a party that is only doing a job for under half the states average to buy a home. I’m not a violent person, but I also don’t like wait until there’s a problem to be jerked around for months.
I've had it where even if overdraft 'protection' is off, they'll still allow ACH/recurring charges through and charge you the fee anyway.
I swear that they will use any and everything to revive overdraft protection. I've gone in person, I've gone in person and gave them a signed and dated document I've also deposited a signed and dated document while making a check/cash deposit. It's a 50/50 chance that if I call tomorrow, I will have overdraft protection. This really is something I recommend customers check on a regular basis.