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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.
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.
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.
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 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.
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 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.
Bank Technology News January 2011	Overdraft Rules, Part II: Interpreting the Ambiguous Guidance The FDIC's new guidance on overdraft protection programs (FIL 81-2010) has left institutions, and technology vendors that support them, with many more questions than answers when it comes to implementation.
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 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 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.
Bank Technology News May 2011	New FDIC Rules Changes that will affect third-party overdraft systems and core banking systems.
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.
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.
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.
Entrepreneur October 2005 Crystal Detamore-Rodman	Over the Limit Many banks offer credit to cover account overdrafts, giving businesses a flexible way to fill short-term funding needs.
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.
The Motley Fool July 19, 2005 Selena Maranjian	Beware of Overdraft Fees Don't let your bank get rich as it makes you poorer.
U.S. Banker July 2011 Alan Kline	Morality Play People who repeatedly overdraw their accounts are very profitable, but Rusty Cloutier, CEO of Midsouth Bank in Lafayette, La., isn t so sure what' s good for his bank is necessarily good for these customers.
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 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.
Bank Technology News February 2011	Regulations Revisited: Durbin and Overdraft American Banker's Best Practices in Retail Financial Services Symposium, now in its 16th year, will explore these most pressing regulatory topics, along with the latest best practices in retail banking, when the show convenes March 13 in Miami.
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.
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.
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.
Bank Technology News March 2011 Rebecca Sausner	Keeping Legal Busts The IT Budget Compliance with all regulations, particularly from a technology perspective, is going to cost far more than most banks are planning on spending.
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 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?
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 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 January 2010	What's On Bankers' Minds? Seven banking CEOs took a break to talk about the state of their industry as it fights through the worst recession in decades.
Bank Systems & Technology December 14, 2007 Maria Bruno-Britz	Chinese Bank Inks Deal With Fiserv ShenZhen Rural Commercial Bank, China, has contracted to implement Fiserv International Comprehensive Banking System through Fiserv partner Digital China.
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 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.
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 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 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.
The Motley Fool September 30, 2009 Morgan Housel	How Not to Solve a Banking Crisis The FDIC's latest proposal just kicks the pain down the road.
The Motley Fool November 7, 2011 Morgan Housel	Goodbye, Debit Card Fees. What's Next? Still no free lunches in banking.
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 March 2010 Joe Adler	Get Ready for Rising Rates Near-zero interest rates won't last forever, and regulators are warning banks -- particularly those that added long-term assets using short-term funds -- to take steps to manage their risk.
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.
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.
Bank Technology News September 2009 Steve Bills	Core Processors Ride Out the Cutback Storm Banks are still doing more talking about new technology than buying it, forcing large vendors to rely on existing work to sustain financial performance.
HBS Working Knowledge February 27, 2006 Jim Heskett	Summing Up: Should CEOs of Public Companies Offer Earnings Guidance? Readers weigh in: Anyone who has stock or investments in a public company should be privileged to certain short-term information... Employees feel pressure to have the business look good on a quarterly basis... etc.
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 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 January 16, 2009 Dan Caplinger	The Best Hope for a Lasting Recovery Kids who get early experience with money are most likely to become responsible adults. With the right education, the next generation of investors can avoid many of the financial mistakes their parents and grandparents have made.
The Motley Fool November 16, 2011 Tamara Rutter	A Growth Stock Worth the Risk Why recurring revenue streams could render big returns for Fisery.