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Write a letter telling them that you want ovedraft protection removed from your account. If they say you cannot remove it, get a new bank and take your letter declining overdraft protection with you when you open the account, making it clear to your new bank from the start.<br> <br> Beware tho. Rather than decline a transaction that exceeded my available balance, my bank used a pending deposit to pay an item. When asked why they permitted authorizations in excess of my available balance, they said "Your debit card was allowed to go through because the check was still in clearing. If your account didn't have that check in clearing, the purchases wouldn't have been allowed through. We work under the assumption that the check will clear, so if you choose to use your funds before they are available, we will allow them but you will be charged a fee. " I turned off overdraft protection, and I don't rememeber the part where I said they could use my own money to violate me.<br> <br> I have asked them repeatedly to send me a copy of the terms of service that explains in plain English exactly what happens, but they simply don't have a document to explain it. This Bank is MB Financial.
By Aimee
