When I opened my account almost two years ago, I turned down the overdraft option. I was told that whether it was a credit/debit or check, I would not be charged an overdraft fee and my request for payment would be denied flat out. I opened the account so that I could have all my utilities auto drafted from my account and was warned that if there wasn't enough money in my account the bill would not be paid and that would be embarrassing. But that has never been a problem so I said I didn't want overdraft. \n\nFast forward to a few months ago. My husband and I had gone out for drinks and when I went to pay with my card, the bartender told me my card was denied. So I pulled out my handy dandy NV One app and I see that my account had been overdrafted because of an outrageous charge from Cox cable. Odd, but I figure that since I didn't have overdraft it was probably a mistake and it would be sorted out. I normally keep enough money in my account to pay the bills for a couple months, but at the time I was in the middle of a bankruptcy so I only deposited one paycheck a month.\n\nThe outrageous charge from Cox cable was credited to my billing account. Long story short, someone else's modem was charged to my account. So I went to NV One to explain the situation to them and have the overdraft taken off and had the pleasure of dealing with Suzy Drinkwine. She informed me that since the bill was drafted monthly from my account that they would overdraft my account to make the payment. When I told her I had opted to not have overdraft, she just repeated herself. Yes the bill is drafted monthly, but it runs as a check or a credit/debit card would so how does that make it ok to charge me a $30 fee? She just kept repeating herself over very rudely. I would've closed the account right then, but since I was in the middle of the bankruptcy, my hands were tied.\n\nThe worst part of the situation is that a utility company that I allow to auto draft from my account screwed up big time and my bank did nothing to protect me. Instead they made it an opportunity to steal from me. What a shame.