My bank had something similar. I really don't understand why they're allowed to do it at all, even as an opt-in "service". If I wanted to spend money I didn't

My bank had something similar. I really don't understand why they're allowed to do it at all, even as an opt-in "service". If I wanted to spend money I didn't have, I'd use my credit card. At my bank, an overdraft counts as a cash advance from your credit card anyway. It's just a way for them to force you to borrow money at an inflated interest rate, and it's absolute bullshit.