Some banks allow you to "turn off" overdraft protection. Of course it's enabled by default. Who on their right mind would rather me charged $30-40 instead of h

Some banks allow you to "turn off" overdraft protection. Of course it's enabled by default. Who on their right mind would rather me charged $30-40 instead of having your card be declined? Not me, so I try to turn off any such things when I create a bank account