My bank is refusing to remove the "courtesy" overdraft service from my checking account. Can they do that? --Heidi, NC
Heidi, it looks like you actually have overdraft protection that's being somewhat forced upon you and positioned as if they are doing you a favor. The answer is yes, they can require that you have overdraft protection. Some banks will do this if you've bounced checks in the past, some will do it just to be overly cautious. If I can make a suggestion please: If the overdraft protection is free, and it normally is, I'd suggest that you leave it in place and forget about it.
