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U.S. Banker September 2007 Lee Conrad	NSF, Overdraft-Protection Fees Drawing Greater Fire Which came first: the overextended customer or the bank's overdraft-protection fee? Either way, the cycle continues. And banks are increasingly becoming hooked on these fees to bolster profits.
BusinessWeek May 2, 2005 Dean Foust	Banks: "Protection" Racket? As overdraft and other fees become huge profit sources for banks, critics see abuses. And most troubling to consumer activists is that most of the new fees fall on the poorest consumers.
OCC Bulletin April 6, 2005	Overdraft Protection Programs Interagency guidance on overdraft protection programs covers safety and soundness considerations, legal risks, and best practices.
The Motley Fool July 24, 2007 John Rosevear	Is Your Bank Out to Get You? Are bank overdraft charges designed to drive you into debt?
The Motley Fool January 19, 2007 Dan Caplinger	Banks Need Your Fees The best way to avoid fees is to make sure you understand what fees your bank charges for certain transactions or activities before you need them.
U.S. Banker June 2010 Matthew de Paula	Opt In Starts With Reaching Out Contacting customers early and often is the key to getting them to understand their options for overdraft protection.
OCC Bulletin July 8, 2004 Emory W. Rushton	Overdraft Protection Programs The proposed guidance is intended to assist insured depository institutions in the responsible disclosure and administration of overdraft protection services.
Bank Systems & Technology January 7, 2005 Ivan Schneider	Cut the Fee, or Wait and See? Find out what the CCAF act would do for banks and banking customers.
U.S. Banker November 2001 John Hackett	Ethically Tainted A number of banks are moving into variations of payday lending, the high-yielding business that some observers would describe as predatory. But those who participate in such lending say they're no different than banks that charge high fees for bounced checks...
Bank Technology News January 2011 Michael Sisk	A Real Rough Draft from The FDIC Regulators are targeting overdraft again, with the FDIC issuing final guidance for overdraft payment programs that will challenge banks to adapt their processes, systems and products by the July 1 deadline.
OCC Bulletin June 22, 2005	Truth In Savings Act (TISA) - Regulation DD The Board of Governors of the Federal Reserve System published the Final Rule: Disclosure of Overdraft Fees.
The Motley Fool July 19, 2005 Selena Maranjian	Beware of Overdraft Fees Don't let your bank get rich as it makes you poorer.
The Motley Fool May 11, 2010 Dan Caplinger	These Dumb Laws Will Cost You You should realize that easily avoidable fees like overdraft and ATM charges actually benefit you, and there's an easier way to avoid bank fees.
The Motley Fool November 20, 2007 Selena Maranjian	Bank Overdraft Fees: Gotcha! Two good tips: Avoid those bank overdraft fees, but if you can't always do that, seek out a bank with fair and good customer service.
Bank Systems & Technology January 7, 2005 Ivan Schneider	Cut the Fee, or Wait and See? Check 21 requires the Federal Reserve to report back to Congress in April 2007 on the change in length of hold times. But the CCAF Act would accelerate that process and instruct the Fed to reduce hold times
The Motley Fool September 22, 2009 Morgan Housel	What to Do About Bank Overdraft Fees Keep them in place, and tell people to be more responsible. Enough said.
National Real Estate Investor February 1, 2007 Ben Johnson	Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.
U.S. Banker June 2009 Anthony Malakian	Overdraft Anxiety Overdraft fees not only generate significant noninterest income for banks, they help subsidize other services, such as free checking and online bill payment.
U.S. Banker March 2010 Chris Costanzo	One Tough Sell Technical hurdles aside, the big challenge in complying with new overdraft rules for debit cards is getting customers to opt in.
Bank Technology News May 2011 Shane Kite	Gaming Overdraft Vendors and banks are trying to turn compliance with recently revised FDIC guidance on customer overdraft notifications into new revenue opportunities for banks.
The Motley Fool July 16, 2007 Dan Caplinger	Get the Best Overdraft Protection One bounced check can really cost you, even if you think you're protected.
The Motley Fool June 21, 2010 Dan Caplinger	Tell Big Banks to Take a Hike Take away free checking? Fine -- take away your business.
Reason April 2002 Mike Lynch	Legal Loan Sharking or Essential Service? The great "payday loan" controversy...
The Motley Fool August 11, 2009 Selena Maranjian	Don't Let Fees Take You to the Poorhouse Watch out! Fees have been getting out of control.
Bank Technology News May 2011	New FDIC Rules Changes that will affect third-party overdraft systems and core banking systems.
Bank Systems & Technology September 1, 2010 Katherine Burger	Half of Bank Customers Choose Overdraft Protection An ABA survey conducted in conjunction with imposition of new restriction on overdraft fees indicates customers continue to value overdraft services.
The Motley Fool August 10, 2006 Dan Caplinger	How the Fed Affects You Federal Reserve decisions about interest rates trickle down to everyone.
The Motley Fool September 14, 2007 Dan Caplinger	Those Dirty Banks! Banks can raise their ATM fees, but you don't have to pay them.
U.S. Banker April 2010 Alan Kline	A New Way to Think About the Unbanked Survey results showed that bank fees, above all, are what keeps people unbanked.
U.S. Banker June 2006 Lee Conrad	Banks Vent Rage Over Commercial RE Loan Rule Banks, in an uproar over regulators' proposal that warns those with high concentrations of commercial real-estate loans may have to raise their capital reserves, worry that new regulations will eat into their bottom line.
AskMen.com March 2, 2003 Dan Carter	5 Not-So-Obvious Banking Fees After reading this article, you'll have a heads-up on where banks get you good and how you can avoid extra costs as much as possible.
The Motley Fool August 4, 2005 Lawrence Meyers	Dueling Fools: Payday Loans Bull Don't be swayed by the negative press put out by anti-PDLers about people who get "sucked into the payday-lending treadmill." For every one of those, you'll find 10 who are thankful the industry exists.
Bank Systems & Technology July 5, 2004 Ivan Schneider	SEC to Banks: Selling Securities? Get a License Industry convergence slowed by multiple regulators and accounting system limitations.
U.S. Banker February 2009 Anthony Malakian	NSF Fees Pay the Bills But Make Customers Bolt NSF fee income may be rising as consumers struggle to pay their bills, but institutions counting on this rising revenue stream to counterbalance other declines should be on the lookout for both consumer and regulatory blowback.
U.S. Banker September 2009 Kathy Brister	The Business Case for Financial Literacy Bankers are intensifying their focus on financial education. It s a trend that reflects regulatory pressure and a need to repair their reputations. But some also see the potential for a competitive edge - in the long run, they say, savvier customers make for a healthier bottom line.
Bank Director 1st Quarter 2010 Jack Milligan	Winds of Change These are truly challenging times for banks, and for bank directors. A weak U.S. economy has made it difficult for most institutions to find enough good lending opportunities to go around.
CFO March 1, 2007 Rob Garver	Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend.
The Motley Fool August 27, 2007 John Rosevear	The Joys of Credit Unions While credit unions aren't the best fit for everyone, they do offer distinct advantages -- tangible and not-so-tangible -- over big regional or national banks.
The Motley Fool January 26, 2010 Dayana Yochim	Stop Robbing Your Own Bank Account You might be surprised how handsomely you're tipping your financial institution to babysit your cash.
AskMen.com April 29, 2001 Luis Rodrigues	How To Avoid ATM Fees We've all heard about the dreaded ATM fees. Everyone talks about how bad and how ridiculously high they are, but forgets how convenient and fast they really are...
The Motley Fool October 30, 2009 Sean Ryan	Banks Desperately Seeking Fee Revenue Banks that rely heavily on overdraft fees are preparing to reintroduce monthly maintenance fees on checking accounts for most customers.
The Motley Fool July 26, 2007 Emil Lee	6 Keys to Bottom-Fishing for Banks A tip sheet for buying banks on the cheap: 1. Low price-to-book multiple... 2. Small deposit premiums/high deposit quality... etc.
The Motley Fool April 24, 2011	Nickeled and Dimed: Is It Possible to "Over-Fee" Consumers? Are those annoying little fees reaching a tipping point? During the third quarter of 2010, U.S. airlines collected $2.1 billion in fee income
The Motley Fool September 18, 2007 Dayana Yochim	Stop Robbing Your Own Bank Account Surcharges, maintenance fees, courtesy services, setup costs -- what banks charge consumers these days gives new meaning to the phrase "bank heist." Here's how you can save on bank fees.
InternetNews March 25, 2005 Jim Wagner	Feds Push Banks on Security Alerts After several high-profile private data leaks, the Federal Reserve and regulators advise banks to immediately notify customers of security breaches.
U.S. Banker March 2011 John Engen	Fed Up Bankers upset with a proposal to slash debit interchange fees are lobbying Congress and plotting survival strategies. Only TCF s Bill Cooper has been bold enough to take the Federal Reserve to court.
The Motley Fool March 25, 2011 Morgan Housel	Why Banks Are Suddenly Charging So Much for Checking Big banks from Bank of America to JPMorgan Chase to Citigroup have either raised, or are proposing to raise, fees on checking accounts.
U.S. Banker May 2010	Why Free Checking Isn't Dead Big banks can afford to lose customers if they eliminate free checking, but with a smaller customer base community banks need to evaluate their own situations.
U.S. Banker July 2010 Marissa Fajt	Overdraft Outlier With hundreds of branches in Wal-Mart stores, Woodforest relies heavily on overdraft fees for its racy performance. Will the regulatory crackdown be a speed bump or a roadblock?
CFO Joseph McCafferty	Another Nick in the Wall Regulators are looking into allegations that banks are "tying" loans to other fee-based business.