> You’re looking for a revolving credit line

Or an account that does not permit cheque writing and will bounce a transaction instead of letting it overdraft.

This is the requirement now-affirmative consent/opt-in:

https://www.nafcu.org/compliance-blog/overdraft-protection-m...

If they make it really easy for you to opt in/a quick checkbox then they can make money. That said if someone is living so tight and wants a transaction declined if their account doesn’t have the funds, the financial should make that easy and obvious to do. Behaving otherwise is predatory.

> Or an account that does not permit cheque writing and will bounce a transaction instead of letting it overdraft

Seems like the problem might be that this system will also prevent people who have a bad reputation in it from getting one of these accounts?

> this system will also prevent people who have a bad reputation in it from getting one of these accounts?

Could. In practice, plenty of banks fill this niche [1].

[1] https://letmebank.com/banks-that-dont-use-chexsystems/