Debit cards in the UK generally don’t let you go overdrawn.
Like if I try to buy something and don’t have enough in my account I just get told ‘you can’t buy this’ and have to go transfer some more money to my account.
I pay a £5 monthly fee, but that gets me travel insurance, breakdown cover, mobile phone cover and a bunch of other benefits that I haven’t had to use yet.
I could opt out of that £5 fee and not pay anything at all for my banking. I find all the fees you end up with in the US a little bit insane.