Mildly Infuriating
Home to all things "Mildly Infuriating" Not infuriating, not enraging. Mildly Infuriating. All posts should reflect that.
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I FEEL THIS. My bank tells me its not possible to turn it off on my checking account. Blows my fucking mind they can't just deny a tranaction if I don't have the money even if I ask 😭
Complain to the office of the Comptroller
They can, they just won’t because of those juicy overdraft fees.
My banks can turn it off, but what annoys me about that is the overdraft fee just becomes an insufficient funds fee (in many cases, I've obviously not tested most kinds of charges to see) at that point for me, fuck might as well pay what the charge was.
Which bank do you have? Is switching to a credit union an option?
I switched to a credit union and can use all the same ATMs/send money/etc and there's no fees/no anti-consumer nonsense
It's not designed against humans, its designed for bankers.
I had a long discussion with my bank's branch manager about this. They assured me that I don't have overdraft protection. I've yet to have any fees since I keep a reasonable balance. I want my debit card to fail and my check to bounce. He assured me that's what would happen.