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Not really. I have overdraft protection disabled on my Ally account. I get fees all the time when it is overdrafted anyway. I really do want to punch the perso
by coding123 8y ago
Not really. I have overdraft protection disabled on my Ally account. I get fees all the time when it is overdrafted anyway. I really do want to punch the person in charge of letting accounts go negative. I would rather get denied at the POS than overdraft and suffer fees.
- skywhopper 8y agoNot all banks are this customer-hostile, luckily. But there may be undocumented ways to truly get this shut down. If not and if possible I’d recommend switching banks.
- mschuster91 8y agoIn Germany, we have special automated loans ("Dispokredit") for this situation. These are expensive (14% p.a.!), but as they are meant to be used only in emergencies and for a short time only, such a situation as here would not incur fees above 1€, as the interest is most often calculated daily.
- astura 8y agoSome banks in the US have this, some charge a fee to use it. It's a niche product though.
- ceejayoz 8y agoI can't recommend Simple enough. Been banking with them for years and it's been wonderful. https://www.simple.com/policies/bbva-compass-truth-in-savings-disclosure https://www.simple.com/policies/bbva-compass-truth-in-saving... > ATM and everyday debit card transactions that would cause an overdraft may be declined at no cost to you.
- astura 8y agoOpen a Fidelity Cash Management account - they do exactly that, deny the charge with absolutely no fee. I accidentally chose to pay with my bank account instead of my credit card on PayPal, the charge was denied with no fees. On top of that the account has no account fees, no minimum balance, free checks, and ATM reimbursements.