No one can be told what the matrix is, but you have to request it by name if you want to opt out of it.
I just opted out of Bank of America’s “courtesy” overdraft protection “service”. Every time I open an account, I always ask if I can do this, but they never let me. After reading this article, I decided to give it another try. After some intentional confusion from the phone rep, I found out that the overdraft service is actually known as the “overdraft matrix“. So, call your bank and ask to opt out of the overdraft matrix. They just might be able to hook you up! Attached to this post is a partial audio recording of the last 8 minutes of the conversation as proof that it can be done.[audio:http://thomashallock.com/overdraft_matrix_out_out.mp3]
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