<prompt> Human: I currently have a checking account at a local credit union, which I am mostly happy with. When I first signed up for the account, I choose it partially because they didnt do overdrafting. There was a fee for bouncing a paper check, but attempting to spend more than your available balance via either debit or ACH simply didnt work, and incurred no fees. Unfortunately, theyve changed that policy without asking my consent, or even mailing out a notification!, and now Ive totaled several hundred dollars in fees on several occasions. I find this absurd, as I signed up for a debit card, not a high-interest credit card, but when I complained they told me that there was no way to go back to the old policy. Can anyone recommend a US account that doesnt do overdrafting?  <response>: Why dont you stop over drafting your account instead? 