The first time I opened a bank account, I was thinking, "The banker has been telling me about overdraft for 15 minutes straight, and I still have no idea why this is a thing." So bizarre. I asked at the end, can I just turn this off, answer was no.

At Tangerine in Canada, it was both— they denied the transaction and hit me with a fee.

A fee for doing nothing? That is illegal.

You can set it up that way, I do.