Overdraft protection is opt in since 2010.<p><a href="http:&#x2F;&#x2F;www.federalreserve.gov&#x2F;newsevents&#x2F;press&#x2F;bcreg&#x2F;20091112a.htm" rel="nofollow">http:&#x2F;&#x2F;www.federalreserve.gov&#x2F;newsevents&#x2F;press&#x2F;bcreg&#x2F;2009111...</a>