The bank should have asked you "do you want over-balance approvals or not?". I thought this question was mandatory today [with new bank account setups]. I also thought the default was "NO over balance approvals" unless the customer wanted to authorize this.
Mine began with overdraft then took it off when I asked them too. I would always have an issue with payments lagging and then all going through at once. I didnt have control of my finances.
It hasn't been an issue for a while. It can be either way it wouldnt overdraft unless someone stole my card.