this post was submitted on 25 Jan 2024
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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.