Goddamn these people are stupid. Overdraft protection is not going to make you a sophisticated adult, you aren't clever for having it you dumbfucks. You wonder where your money went? You idiot. It's a scam, plain and simple. Cancel that shit immediately. Some idiot on zoklet got owned real hard by this and it's so funny, but I don't have an account there so I can't laugh at him over there.
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BTW fuck you acolyte
*buys subscription to Lifelock to protect identity*
*buys volcano insurance*
*eats organic food*
*dies of faggotry*