I qualified for a FEATURE from my Credit Union... an expensive one. [View All]

Apparently, due to my credit, the Credit Union that I go to put me on an Opt-Out feature (without telling me I was in it) that lets me overdraw my account. Overdraft Tolerance they call it. This means that if I don't have money in my account, they will still allow me to use my debit card and charge me $22 for every transaction... just like if you bounced a check. And the best part is, you are not notified that you've overdrawn.

This is especially lovely since I regularly go to 7-11 and pay for my $1.50 snack with my debit card. So now that $1.50 snack costs $23.50 and over the last two days I've racked up over $250 of overdraft fees.

Grrrrr... Oh, and to opt out of it, I have to write a letter to them. Great, huh?

I thought one of the great features of a debit card was that it would TELL YOU that you had insufficient funds.