I got excited with the whole overdraft law that happened last year – until I learned (at least at Capital One) that the overdraft opt out only applies to daily “debit” purchases. This is something I never do, I only use my bank card as credit to pay for purchases. Also paying by check can get you overdraft fees too. So basically, the overdraft law has done nothing for me and I’m sure that’s the case for many others. If customers still aren’t protected, what’s the point of this law?