Just a not-so-subtle reminder, that when Chase contacts you, either by email, letter, or phone, to warn you that you will be at risk if you don’t sign up for overdraft protection, JUST SAY NO!  The only ones that win when consumers have debit-card overdraft protection are banks, to the tune of $38 Billion industry-wide per year.  If you don’t have it, you pay nothing as when you try to use your debit card and have no funds, it won’t work (which is how most people think it is supposed to work).

If you don’t believe me, just listen to a bunch of consumers groups say the same thing.

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