Actually requesting overdraft protection on debit card and ATM transactions may be letting themselves in for additional fees. See this posting in USA Today by Kevin McCoy:
http://www.usatoday.com/story/money/business/2013/06/11/bank-overdraft-practices/2408805/—–
According to this, if you overdraft your account a lot, it is cheaper to not have the protection and just get the bill payment or ATM transactions declined with maybe an overdraft fee instead of the overdraft protection fees. What a crazy world!
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