I thought courts had required banks to allow opt-out for a long time. Apparently more recently [1] this was expanded so that account holders have to opt in. [1

I thought courts had required banks to allow opt-out for a long time. Apparently more recently [1] this was expanded so that account holders have to opt in. [1]: https://www.huffpost.com/entry/overdraft-protection-expi_n_682825 https://www.huffpost.com/entry/overdraft-protection-expi_n_6...