This morning, Saturday, XXXX XXXX, 2015, I called customer service at ( XXXX ) XXXX and learned that U.S. Bank 's policy is to opt customers into overdraft protection by default ; customers are expected to explicitly opt out. Interestingly, during the automated review of the status of my account, which I completed just before speaking to the U.S. Bank representative, the teleprompt indicated that I did not have overdraft protection on my account. I mentioned to the U.S. Bank customer service representative that I did not recall this being pointed out to me during the account onboarding process. The representative 's response was that I should contact the member who opened my account or the branch manager. I asked the representative to remove the unwanted overdraft protection, and after trying to discourage me, he finally removed the overdraft protection, at least that is what was indicated to me. I was advised that it would take 2 business days to remove the overdraft protection. Additionally, my request for a courtesy credit of the fees incurred to date, of which there is a total of {$340.00}, was denied. 
