After declining overdraft protection First Niagara decided to extend overdraft protection as a 'courtesy' on my business account. They were also generous enough to charge me $70 for that 'courtesy'. No only is it not legal it is the crummiest 'courtesy' I have ever received. My 'courtesy' response was to close my remaining account with them and to give them the 'courtesy' of a negative review in every location I can find. AVOID these fee hungry monsters.