Are there any banks (in the US) that do not have an overdraft facility? That is, an account which cannot have a negative balance and they simply reject/decline transactions that would take the account below zero, thus no overdraft and no overdraft fees.
So far everything I've seen has all had various "overdraft options" for reducing the impact of an overdraft (e.g. automatic money transfer from a savings account) but nothing that wouldn't incur additional expenses.