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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 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 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 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 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 24, 2007 John Rosevear	Is Your Bank Out to Get You? Are bank overdraft charges designed to drive you into debt?
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.
Bank Technology News May 2011	New FDIC Rules Changes that will affect third-party overdraft systems and core banking systems.
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 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.
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 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 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 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.
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 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 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 March 10, 2010 Penny Crosman	BofA to Block Debit Card Overdrafts Good news for customers who inadvertently overdrew and were charged $39 a day.
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.
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 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.
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.
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 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.
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 January 2010 Alan Kline	The View From the Bayou You don t have to look much beyond the book's title, Big Bad Banks, to know that Rusty Cloutier, the president of a community bank, believes the titans of Wall Street are most responsible for causing the crisis.
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.
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 April 2010 Rebecca Sausner	Reg E Changes Pose Tech Challenges The technical and operational challenges posed by the changes to Reg E hit three touchpoints: marketing, compliance, and core banking.
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 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.