Prepaid card for Apple Pay

[JayLenochiniMac]

I think we are saying the same thing.

You do not have to take overdraft protection unless you want it.

So you do need to opt-in if you want it.

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All I said is they REALLY want you to have it. In the past there were accounts that could not be had without it. Now, as you state, it it optional. The problem was and is that customers don't understand all of the things they are being told when they open an account. They may have it and not even remember agreeing to it. Those clever salespeople. I think they get by reversing fees when asked to do so. Fees that customers tend to not understand, either.

I have family members who work at chain banks. The practices are quite familiar to me. Just beware. And, yes, credit unions are typically the way to go.

That used to be true but apparently not anymore as the law now requires you to opt-in.

 

[From A Buick 8]

So you do need to opt-in if you want it.

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That used to be true but apparently not anymore as the law now requires you to opt-in.

Maybe I do not understand what you are asking. You are not forced to take the coverage.

If you want the coverage then yes you need to Opt-in and if you do not want the coverage then you Opt-out.