My 19yr old and 17yr children opened an account at Woodforest. It was their choice as they felt the hours fit their schedules best. During sign up, I was there and we ALL discussed NOT having this "od protection"- i even told them my older child had a bad experience and that was not something that needed to happen. About six weeks later we noticed about 180 in OD fees on the account. My son used that stupid card to do everything so each 3-4 dollar transaction cost extra 34. At that time we called and the BRANCH MANAGER told ME and my... read full review »