13 points
what do you mean? If I try to pay with an empty bank account the transaction is simply denied.
Nothing sovcit about not wanting the bank to give you what’s essentially a small expensive loan.
In fact, overdraft protection is typically opt-in, so just don’t sign up for it and you’re golden.
The only overdraft I use is self-funded overdraft where it pulls from savings instead of a tiny bank loan. I have it send me a notification when that happens so I can tell when my cash flow is wonky.
