Overdraft fees

In the artical about "Banks will Alter fees " By Candice Choi," which I found this artical in the Inland Valley Daily Bulletin, it states that many banks will start offering opt out program. Opt out program will help many people save hundreds of dollars in overdraft fees. This also means instead of paying $35 per overdrift, you will paying $1o per overdrift. This program will start in Octorber of 2009 for some banks. Why is this program being incorporated? because many people has experience having more overdraft fees while being in this recession. The bank was charging customer $35 per transaction. For example if you purchase something for $13.65 and you only had $13.00 in your bank account, you would have been charge a overdrift fee for that 65 cent that you didn't have in the bank. The reason for the change, Capitol Hill has many of these banks under survillence. Before this program was introduce, banks was asking their customer to link up their checkings to their savings to avoid overdrift fees. Many banks are not happy about this program and are not going to offer it. The artical goes on to say, if customer was to opt out the customer will have very little penalty.
Do I agree or disagree with the banks who are going to incorporate this opt out program. Yes I do agree with this opt out program. I feel that the banks should have incorporated this program a long time ago. Capitol Hill shouldn't have waited until now, they should had the banks under scrutiny a long time ago. The bank have been getting away with leagal robbery, I know this because I was one of their victim. Once I had direct deposit with a bank and they stole my money with my eyes open. The reason why I state this because they charge me $300 in overdrift fees, which it is impossible that a person can ocurr charges up in hundreds. This is not fair to anyone who have there trust in the banking system. We as the people have little deceation over how the banks handled our money, once your money has been deposit.