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Bank Systems & Technology February 25, 2010 Katherine Burger	New York City's Underbanked Population: Growing and Mistrustful of Banks New research show 13 percent of New York City households lack bank or credit union accounts.
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.
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.
U.S. Banker September 2010 Alan Kline	Be Careful What You Wish For While the mission to lower the cost of financial services for low- and moderate-income consumers is admirable, there's concern among some industry observers that tactics could backfire and wind up driving many people out of the financial mainstream.
Bank Technology News May 2011	New FDIC Rules Changes that will affect third-party overdraft systems and core banking systems.
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.
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.
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.
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.
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 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.
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.
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.
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.
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.
U.S. Banker May 2005 Lee Conrad	As Industry Collects Billions, Consumers Cry Foul Consumer groups say some banks encourage customers to overextend themselves. Though regulators have stepped in to halt misleading overdraft-protection practices, advocates warn it's not enough.
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 July 19, 2005 Selena Maranjian	Beware of Overdraft Fees Don't let your bank get rich as it makes you poorer.
Bank Systems & Technology March 10, 2010 Penny Crosman	BofA to Block Debit Card Overdrafts Good news for customers who inadvertently overdrew and were charged $39 a day.
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.
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.
U.S. Banker June 2008 Anthony Malakian	Overdraft and ATM Fees Rise, As Economy Slumps Consumers are always wary of being nickel-and-dimed to death, and thanks to the current economic malaise, more banks are heading in that direction.
Reason April 2002 Mike Lynch	Finance on the Fringe America's check cashers don't exploit the poor; they serve them...
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.
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.
The Motley Fool June 21, 2010 Dan Caplinger	Tell Big Banks to Take a Hike Take away free checking? Fine -- take away your business.
The Motley Fool November 16, 2007 Rich Duprey	Battling for Payday Loans A ban on military payday loans keeps underpaid soldiers even more short of cash.
U.S. Banker July 2010	Bank Think: To Opt-In Or Not to Opt-In? With new overdraft rules set to take effect Aug. 15, banks have been pleased to discover that most customers who overdraw their accounts, even occasionally, are giving them permission to cover debit-card overdrafts.
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.
The Motley Fool June 12, 2007 John Rosevear	Checking Out Checking Accounts How to steer clear of "free checking" pitfalls.
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.
U.S. Banker February 2011 Alan Kline	Offering a Grace Period on Overdrafts Huntington Bank is giving customers 24 hours to make good on their overdrafts without penalty. What it's losing in fee income, it's gaining in customer retention.
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...
The Motley Fool February 12, 2008 Rich Duprey	Putting the Unbanked in a Chokehold Payday lenders and private enterprise can meet the needs of the unbanked.
FDIC FYI November 5, 2003	Financial Education in a Dynamic Banking Environment While consumer credit is more available than ever, technological advances and an array of new consumer products and services have made modern banking more complex. In this arena, it is more important than ever for consumers to be educated about their rights and options regarding financial offerings.
The Motley Fool November 7, 2011 Molly McCluskey	Thousands Vote With Their Feet, Say Goodbye to Big Banks Banks' reversal on fees not enough to keep customers happy.
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 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.
OCC Bulletin April 6, 2005	Overdraft Protection Programs Interagency guidance on overdraft protection programs covers safety and soundness considerations, legal risks, and best practices.
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?
The Motley Fool November 7, 2011 Morgan Housel	Goodbye, Debit Card Fees. What's Next? Still no free lunches in banking.
Reason April 2002 Mike Lynch	Legal Loan Sharking or Essential Service? The great "payday loan" controversy...
Mother Jones May/Jun 2001 Brendan I. Koerner	Preying on Payday How national banks are teaming up with storefront lenders to profit from high-interest loans to the poor...
The Motley Fool January 21, 2011 Selena Maranjian	Payday Lending's Not Dead Yet Plenty of companies still profit from charging 400% interest.
AskMen.com Alex Matjanec	Credit Card Fees Since being forced to change or limit the number of fees that they can charge customers, banks and credit card companies have started to tweak their tactics and introduce new ones to keep fees flowing and customers guessing.
The Motley Fool July 28, 2010 Selena Maranjian	Watch Out for These Sneaky Banks The recently passed financial reform bill will rein in some corporate excess, but don't breathe too easy. Companies will likely find other ways to make up for what they've lost.
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 May 26, 2011 Cindy Johnson	Shame on You, Bank of America! Is Bank of America looking to give you a big, fat refund? While a settlement is good news for bank customers, it is one more nail in the coffin for bank profits.
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.
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.