I knew it! Today’s Wall Street Journal story “Wells Fargo Managers Pushed Overdraft Services” exactly recounts my experience as the bank’s customer. Few years back, during a routine phone call, a banker offered to add overdraft protection to my account. She pitched it as an important benefit. I paused and replied that the account never overdraws. But she pressed, encouraging me to take the service—and did so four more times.

See, we had an exchange, where I pushed back hard. “If I overdraw the account, you don’t pay, right?”—being well aware of the 2010 Federal Reserve regulation regarding overdrafts. If customers don’t opt in, the bank doesn’t pay the bill and there is no fee. “You can charge only for overdrafts if I sign up, right?” She sidestepped, at first, avoiding the answer and touting the benefits to me.