<prompt> Human: I did not agree and would never agree to have the bank lend me a few dollars when Im low and then hit me with a 35 fee. I would rather my card simply be declined. It was only when we were wrapping up when I specifically asked, You didnt enroll me in overdraft protection or anything like that, did you? I dont want any fees. I would rather just the purchase not go through.She looked like shed sucked a lemon but she said shed take it off my account. I asked her, Dont you have to specifically ask me to enroll in that? Isnt it opt in, not opt out?She told me it was opt out and that you have to specifically ask NOT to be enrolled in it.That just doesnt sound right. I thought there was a new law a while back that changed that rule.Am I confused? If not, what should I do about it?  <response>: Assuming you are in the US. You dont specify.Yes, the rules were changed by Dodd-Frank a few years ago -- by law, you have to specifically ask to OPT-IN to an overdraft protection service. It cannot happen automatically. If you want to pursue this further, you can file a complaint with the Consumer Financial Protection Bureau If you do not want to go that far, you can instead complain to the branch manager about that individual bankers service to you. As a side note, I should also mention that even if you are NOT enrolled in any overdraft protection program, you can still overdraft your account and receive 3035 service fees. The protection program is, in fact, in place to prevent those fees from happening, and for the item that would otherwise be returned to be paid by transferring funds from a linked savings account or line of credit. So please make sure that you understand that even if you very specifically ask them NOT to enroll you in an overdraft protection program, you still need to watch your account and make sure you do not overdraft it with checks or ACH payments or service charges, because you can still get hit with those fees you are trying to avoid. 