Yes, I agree that their spiels usually make opting out not seem like an option lol.

But I do what to point out this:

Even after you do so though it still doesn’t stop some recurring payments or charges so your account can still end in the negative and you typically get a charge for that if its in the negative enough (usually more than 5-10 dollars)

If you have not agreed to overdraft protection, they legally cannot charge you a fee if you end up overdrafting from automatic payments or another tricky one is gas pumps where some only charge $1 to initiate the pumping then later hard post the full amount. Now, I’m am sure there are institutions that go against this law but I try to spread the word that Reg E doesn’t allow that practice.