"Kurt Ullman" wrote
I don't know if Dodd-Frank changed that, but before that wasn't
necessarily the case. One of the Great Scams was letting the debit go
through and then watch multiple checks go bouncing around the
countryside. And collecting fees on every one. That may still be a
problem since Regions' local commercial specifically states they give
you 24 hours to cover overages.

It has changed. Now you can opt out and have the transaction stopped,
rather that go through and bounce checks and incur fees. Some banks offer
protection of some sort, but I've never looked at the details.