this post was submitted on 12 Nov 2024
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"I kept overdrafting my account even though I opted out"
Is this some SovCit shit where they think "opting out" of the terms of service for their bank account is an option?
No, there's a US law now where they have to allow you to opt out of overdraft "protection". They just decline the transaction but don't charge you any fees.
If only they didn't charge fees. My bank charges an insufficient funds fee that's conveniently the same amount as the overdraft protection fee. So my options are eat the fee and get my stuff, or eat the fee and not get my stuff.
I'm not entirely sure this is legal, but I was told directly by a representative that these were my options. It's quite literally a poor tax.
Dude you need a new bank, or credit union, or GameStop.
An insufficient funds fee!?! Fuck me, America.
Yeah, when I look into a new bank for whatever reason, the first place I go is the fee schedule and I look for BS. Most big banks have a ton of BS in there, so avoiding them is usually sufficient if you don't want to read a table of fees.