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Overdrafts can be maddening, to say the least. You check your bank statement, not expecting anything unusual and – boom – you see an overdraft charge (or two, or three). Your balance is now even lower than it was before because you have just paid $25 or $35 per overdraft charge to your bank. That [...]

Overdraft fees cost Americans collectively over $27 billion per year, making them a significant part of customers’ overall bank fee structure. In fact, the issue has garnered so much attention that even congress has enacted legislation to force banks to make customers more aware of their choice about whether to enroll in overdraft protection programs [...]

Banking today seems to be a much more complicated affair than it was just 10 or 20 years ago. The advent of debit cards, online banking, the ability to link checking and savings accounts, and tons of banks competing actively for your business can be overwhelming for the average customer.
After all, most of us just [...]