Pretty much every US bank allows account holders to disable overdraft protection for checks and debit cards. It's just a question of whether that account feature is on or off by default. Most banks used to turn it on by default, perhaps motivated by the overdraft fees. Now industry practice is shifting and more banks are disabling it by default.

I prefer to have overdraft protection turned on. I usually keep very little money in my checking account and transfer any excess to other accounts. But a couple of times I screwed up the timing (my own fault). Paying my bank an overdraft fee was a lot better than bouncing a check.