Complaining in writing to the bank is a good idea, and (as a side benefit) might help bleed off a little more of your ire. Find the highest-ranking customer/investor relations person you can locate and send a letter explaining why this scheme is a bad idea, and why it could drive folks away from the bank. CR may not talk to the marketing folks as often as they should. Enough letters like yours can eventually persuade the bank-as-a-whole that opt-outs are bad for their image and hence bad for business. Though whether that will happen before the hoped-for regulatory change is debatable.