Similar situation here. It seems they are doing their best to cancel overdraft facilities.
I had an overdraft with AIB for over 8 years and it was automatically renewed each year. Until this year when i was informed that it would be reviewed and that i had to send in copies of this that and whatever, and that i had to go into the branch as well.
This was just nonsense to me as AIB seems to be doing all they can to keep you out of their branches, such as closing them down and no longer offering statement printouts in branch.
I argued that this would be an inconvenience to me to take time off work and to travel all the way to my original branch for a 15minute conversation and could i not even do it at another branch close to me. Was told no.
I argued that they reviewed it last year and there was no need for me to go in at that time.
They agreed to me emailing in copies of payslip etc and to renew for 6 months and review then.
All this even though my take home annual salary was 25-30 times the overdraft limit.
So imagine my surprise two weeks ago when my card was declined. I log onto the online portal and the available balance shows 0 instead of the overdraft amount.
No call, no letter in the post, just cancelled six months later.
To be fair, i don't really need it any longer but was good for emergencies on a second account and also to have my wife put her expenditure onto every month which i would then clear off at the end of the month.
The above combined with the 2500 euro minimum balance requirement to avoid fees and some of the other annoying changes seriously tempts me to start considering a move to another bank.
13 years is a long time to be loyal to a faceless corporation.