<prompt> Human: When I signed up for the account I specifically opted out of overdraft protection and debit card protection. I was under the impression that if my debit card was charged for anything that was not covered by the funds in my account it would be declined. I am in the process of closing this account and recently transferred all of my money to another checking account. I had switched all of my automatic payments to my new card but I must have missed my preferred card for Amazon Prime. I was charged 49 to an account with 0 in it and it now shows up as -49. Shouldnt this transaction have been declined? Will they be able to charge me fees for allowing my account to be overdrawn?I have already canceled my Prime trial and will be refunded in a few days but I feel so betrayed. I thought my opting out stopped them from overdrawing my account.  <response>: OD protection only applies to debit transactions. Auto payments are already preapprovedYes they will be able to charge you fees. You can call to ask them to waive the fee this time if you have a clean record but emptying your account right before might be a tough sell. 