You could’ve chosen not to victim blame, but yet you did it anyway.

All banks in the US have similar authority, please see my lengthy post under the CFPB link elsewhere in the thread if you are actually here to discuss rather than sling cheap insults

TL;DR:

• If it’s an ATM or one-time debit card transaction, you have to opt-in for them to charge you a fee
• If you didn’t opt-in, they are still allowed to cover the overdraft if they want to by taking from other accounts you have with them, they just can’t charge you an extra fee for doing so.
• If the overdraft is due to a preauthorized/recurring debit card transaction, a check, ACH, or other transaction not covered by 17(b)(1), your consent doesn’t matter, they get to charge you a fee.

Please look at the wording of 17(b)(1), emphasis mine:

Except as provided under paragraph © of this section, a financial institution holding a consumer’s account shall not assess a fee or charge on a consumer’s account for paying an ATM or one-time debit card transaction pursuant to the institution’s overdraft service, unless the institution:

The opt-in requirement is ONLY for ATM and one-time debit card transactions. For a preauthorized or recurring transaction like dinckelman was discussing, that does not apply.

Also some relevant sections of the official interpretation of 17(b):

2. No affirmative consent. A financial institution may pay overdrafts for ATM and one-time debit card transactions even if a consumer has not affirmatively consented or opted in to the institution’s overdraft service. If the institution pays such an overdraft without the consumer’s affirmative consent, however, it may not impose a fee or charge for doing so. These provisions do not limit the institution’s ability to debit the consumer’s account for the amount overdrawn if the institution is permitted to do so under applicable law.

8. Outstanding Negative Balance. If a fee or charge is based on the amount of the outstanding negative balance, an institution is prohibited from assessing any such fee if the negative balance is solely attributable to an ATM or one-time debit card transaction, unless the consumer has opted into the institution’s overdraft service for ATM or one-time debit card transactions. However, the rule does not prohibit an institution from assessing such a fee if the negative balance is attributable in whole or in part to a check, ACH, or other type of transaction not subject to the prohibition on assessing overdraft fees in § 1005.17(b)(1).

Edit: Opt-in requirement is specifically only for ATM transactions and one-time debit card transactions. It would not apply to a monthly transaction as described above. Read my post further down for full details.

That is not necessarily true. I opened a savings account recently and their terms were basically “We normally reject transactions that would cause an overdraft but we may choose not to at our sole discretion and if we do pay it you will owe us”

The upgrade pack is also free for Expansion Pack tier switch online subscribers from what I’ve heard at least for botw/totk. So if youre already on one of those for N64/GBA/Genesis/GameCube then it’s no extra cost

Chrono Trigger MSRP was $70 iirc and some titles were even $80

I think breath of the wild has always been overpriced lol. And it’s not news that Nintendo rarely ever discounts their older games. But the vast majority of people who are gonna want to play it on switch 2 already own a copy ( I hope).

I wonder what this’ll do to the price of used physical copies

$10 to replay it, replay meaning you already have the switch version. Or free if you have switch online expansion pack. It’s only going to set you back 90 (instead of 80) if you’ve never owned it and you want it on switch 2

They’re probably going to try spinning it as China being scared (because their number is lower than Trump’s number) but I think China is probably just flexing. confident they don’t need to go any harder for the US to destroy itself

For 10 bucks, it better have a button combination that unlocks Mario Paint 2.

I haven’t seen a damn thing in the marketing that justifies it being anything other than free. If it’s worth 10 bucks, you better show that shit off. The audacity to call it “welcome tour” with a $10 price tag is wild

It’s heartening to see someone else sharing what’s usually my line! I recommend a wooden toothpick for the aforementioned cleaning.

Removed by mod

Oh, I see. They should have agreed to a ceasebomb instead.

Bonus points for the cedilla

In my experience joints typically either don’t have a filter or have a handmade filter. They’re delicate, and rolling it between your fingers can open up the end and spill things out. So it’s better to have a more precise grip on them.

save some adjectives for the rest of us

seriously - too many people see criticism of Israel’s government and read it as condemnation of all Jews. As if it’s the case that that government represents all Jewish people worldwide (or even all Jewish people in Israel…!)

It’s like people are thinking that wanting Israel to stop its genocide also means there should be another genocide targeting Jews?? Nuance beyond that sort of black-and-white polarized viewpoint seems to be increasingly dead.

Bad title. The article examines whether specifically noise-cancelling headphones may be involved in listening issues.

No, that’s not entirely on her. It sucks that she didn’t step out of line from Biden’s stance on Israel. But it also sucks that a lot of Democratic voters decided their personal feelings of moral sanctimony justified electing someone with a drastically worse stance on the issue.

I don’t think there’s been an election in living memory where people liked 100% of the candidate’s policy. Your duty as a voter is to make the most suitable choice from among the viable candidates. People who claimed they couldn’t vote for Kamala because she wouldn’t oppose Israel’s genocide, and who abstained from voting, directly contributed to worsening the situation with their choices, and they aided in deeply sabotaging (if not destroying) the country in the process.

“You can’t support Harris without supporting genocide” was right-wing propagandist bullshit the entire time, and it’s deeply saddening that so many people couldn’t see the forest for the trees. Most of them are probably still feeling smug about it while ignoring the blood on their hands.

But you do see how that’s still better, right? Kamala would at least have been open to public pressure, meaning it could have been possible to pull the emergency brake a little harder. Trump isn’t gonna change his mind for fuck all, and isn’t just releasing the brake, but slamming his foot on the gas.

Then I guess it’s my bad thinking you were trying to show 100 gigabit plans

None of those plans actually do reach 1gbps though, you kinda proved their point with your link