Since your bank provides overdraft protection, it’s entitled to charge a fee every time you use this service

• YES, I’m happy to pay whatever they charge (‘genuine protection’)

• MAYBE, but they should’ve taken my explicit consent to enroll me into this program.

• MAYBE, but the fee should depend upon the amount by which I overdraw my account (‘protection money’)

• MAYBE, but it’s their responsibility to warn me at the point of purchase that I am about to overdraw my account.

• NO, I don’t want this protection, I won’t pay any fee (‘over with protection’).