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lol you can't turn off overdraft protection. I fucking tried. They wouldn't let me do it.
I am not using a major national bank, just a local/regional one from my hometown.
Find yourself a credit union. It will save you hundreds of dollars in fees, and they won''t have bullshit rules like this.
in my experience the credit unions I am eligible for are no better than commercial banks.
The best credit unions are highly restricted to a small population with a common association. They aren't made for the masses.
This is why those of us with good credit unions need to be helping out those who dont by getting them membership. (I have done this for 3 people so far, and am encouraging others to do it as well. Someone do it for Critical Thinker specifically. no one deserves overdraft fees.)
I tried the local credit union, same shit different name.
Sorry to hear that. Had amazing experience with mine - been using them for 20+ years - never paid a penny in fees, and they turned off OD protection for me when I opened the account. They even refund out of network ATM charges, and offer cashback rewards on my debit card.
You might have better luck with another union - there's usually more than one in the area depending on where you're located.
My bank let me! But then turned on some weird "margin" thing where if I overdraft, I just get charged 8% on a "loan"...which...is worse I think...and they didn't tell me. FUN!
I get charged 10.5%. But it's per year and only for the time im in debt. So when I take $1000 more than I have, but pay it back the next say when the salary comes, the Fee will be pennies.
When I'm a year in debt of 1000, it will be a Fee of $105
Not USA though.
Same here, I requested it to be turned off and they said no.
I dont think thats legal. They're opt-in. You have to call them to enable it by default, as required by law.
Legally you can't be forced to hand over your money, so just tell the armed robber, "no."
You can be forced by violence to hand over your money if you have a contract you signed that stipulates you need to pay them
My point is theaw prevents the default contract from allowing them to setup overdraft protection, unless you explicitly ask for it.
My point is, what the law is doesn't matter if the law is not enforced. Good luck fighting a team of lawyers that make more in a minute than you do in a year.