[Defletter]

It probably depends on the bank, but setting one's overdraft limit to zero doesn't necessarily help and may actually make things worse: some payments may still go through even if you don't have the funds, putting you in unauthorised overdraft, which tends to have a high daily fee.

[flexagoon]

That is insane. What's the point of overdraft limit if it doesn't limit your overdraft?

[bot403]

First time? You can choose between the $20 convenience fee or the $50 no-fee fee.