No, Lol Im A Car Dealer, Isnt That On The Other End Of The Law. I Just Know From Paying My Kids Overdrafts On Their Debit Cards, Which Is A Rip Off, Another Way For The Bank To Pick Up Fees, Think About It Its An Electronic Transaction, They Know If You Have A Balance, But They Pay It And Charge You The Fee, If You Have A Credit Card They Wont Let You Charge Over You Limit, But The Banks Love It.