It’s entirely true. I’ve never had an overdraft. Maybe they’ve changed things since then, but this was how it was for years with them. I probably use a debit transaction 3 times a month now but they told me after the 12th or 13th debit transaction they start charging a dollar to the account holder because it costs them money. They suggested running it as credit so that the merchant gets charged the transaction fee instead.

Edit: I’m willing to admit when I am wrong, and I am wrong on this. I emailed them and asked if they had changed it. They said they no longer charge $1 fee after so many debit transactions.