A couple decades ago I opted out of overdraft protection for this very reason, so the bank would just reject the charges, and then hit me with a $36 fee anyways. Fucking criminals.

It's even more fun when they transfer from your savings account to cover the overdraft and charge you the overdraft fee anyways.

I encountered this enough with my CU; after kicking my college-induced points-fueled credit card habit; that I just decided to switch to a fee-free checking account with capital one. Physical branch locations be damned.

I could only tolerate so many multiple $3 charges a day, with no specific notification, for a service (a savings transfer) that would be completely free if I were to initiate it. And then "we can refund up to 3 overdraft charges but you should monitor your accounts more closely". lol. Keep your $9 and shove it, I shouldn't have to babysit my fucking credit union to keep their hands out of my pockets as I'm going through a major life transition like this.

Anyways. Capital one's verification process has been a bit of a headache but I'm currently trusting the process.

Overdraft is optional on every account I've had tbh.