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Banks need it /s
(lemy.lol)
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this post was submitted on 25 Jan 2024
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Couldn’t you just… opt out of overdrafting?
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.
Strange, I’m an American and my bank lets me opt out of it.
Opt out of overdraft protection or opt out of the ability to be overdrawn at all?
Opt out of being able to overdraft all together, if you spend more than you have, it’ll just deny the transaction.
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.
My credit union let me do that