I am not opted in to any overdraft " protection '' at my bank. They allowed XXXX debit card transactions to complete on my account for XXXX and XXXX. They stated that even though they are debit card transactions and not electronic funds transfers or checks, they are not considered " XXXX '' debit card transactions since they are paid at the same time and amount every month and I am therefore not protected by consumer protection laws for these transactions. 
