When I was a PNC banking customer I kept being told by the local branch «you are opted
out of our overdraft protection».
«Although opting
out of overdraft protection can be ideal to not get hit with overdraft fees on debit card purchases, your bank can still charge you non-sufficient funds fee for checks and bill payments that can be comparable to an overdraft fee,» Smith explains.
But, you have to tell the bank you want to opt -
out of overdraft protection.