Youre right. My bad

https://www.consumerfinance.gov/rules-policy/regulations/1005/17/#b-1

Its true and mandated by law in the US. Before this year, you could file with the CPFB and BBB fairly easily for this type of complaint and get a refund, but who knows if they have teeth anymore.

You have to opt in to overdraft protection and fees. Its not designed to fuck you over. You literally signed up for the service and can cancel it at any time.