• FartsWithAnAccent
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      51 year ago

      You should be able to: If there aren’t funds for a charge, then they can just not fucking charge it. My bank does this and I do not have overdraft fees because I cannot overdraft.

    • oocdc2
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      131 year ago

      I’m hoping you forgot the /s, but just in case you’re not from the US: no, it’s built into almost every financial institution’s terms and conditions, at least in my experience. I had to get my mother a pre-paid credit card because she would overdraft regularly, and the bank had no solution. The pre-paid just declines payment, like the good old days.

        • trashcan
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          31 year ago

          Opt out of overdraft protection or opt out of the ability to be overdrawn at all?

          • @[email protected]
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            11 year ago

            Opt out of being able to overdraft all together, if you spend more than you have, it’ll just deny the transaction.

      • @[email protected]
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        51 year 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.