<prompt> Human: I am still struggling to recover following my wife walking out after 30 years of marriage. Legal fees for the ensuing divorcecustody proceedings cost me tens of thousands of dollars, when I was literally starting from zero I had 400 in the account that she left me. As I was between commission checks from work, I asked my landlord to hold my June rent check until July and cash it with Julys. Although he agreed to my request, for whatever reason he cashed it. I operated for about ten days thinking I had 1300 in my account more than I did. For each of the 20 transactions that I used my debit card for while having a negative balance, they charged me 35. Why do I go through the trouble of entering my PIN number at the point of purchase and wait for the banks approval if they just let everything go through and charge me 35 each?Does anyone have any experience with this?  <response>: You have overdraft turned on.You need to specifically opt out of overdraft to avoid point of purchases from dragging you further into the negative.Although any pre-authorised payments would still go through with the same fees. 