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Joined 1 year ago
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Cake day: July 4th, 2023

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  • I love that last line that shifts the onus of responsibility to the consumer.

    Really, though, I’ve gone through a few banks, and am current with a credit union. They’re better than what I got with the banks, but they’re still shady, still wont to charge whatever fees they can get away with. There’s very little oversight, and in a lot of cases you’re kinda stuck with what you get.


  • If only they didn’t charge fees. My bank charges an insufficient funds fee that’s conveniently the same amount as the overdraft protection fee. So my options are eat the fee and get my stuff, or eat the fee and not get my stuff.

    I’m not entirely sure this is legal, but I was told directly by a representative that these were my options. It’s quite literally a poor tax.


  • They mean opting out of overdraft protection. Banks typically allow you overdraft protection, where instead of denying your sale at point of sale, they’ll pay it, charge you a fee, and let the transaction go through.

    If you opt out of overdraft protection, it should instead deny the sale, and you don’t get to buy whatever. At my bank, they do this and then charge an insufficient funds fee, which is the same as the overdraft fee. It’s bullshit.