新银行透支保护费规则指南

如果你’在过去的几个月里,我拜访了当地一家实体银行或信用合作社,’可能有人问过这个问题,“would you like to opt in to 透支 protection 服务?”. On the surface, ‘overdraft protection 服务’听起来像您可能想要的东西。“Sure, why wouldn’我想免受透支指控吗?”是我最初的想法。经过仔细检查,我开始有所不同。




Overdraft Fees: 的No Permission ‘Service’ Fee

在我当地的银行,一位善良的出纳员给我的声音听起来好像银行已经超越了竞争对手‘透支费保障’以往。实际上,他们要我收取35美元‘convenience’我没有支付的购买费用’t have enough of a balance to cover with my debit card. Up until now, banks were able to automatically enroll you into this 服务. Not anymore.

bank 透支 protection fees的Federal Reserve is beginning to require financial institutions to get your permission to enroll you in a program that covers overdrawn debit and ATM transactions for a fee. 的rules took effect July 1 for new customers and will kick in Aug. 15 for existing checking account customers.

您的两个选择如下所示:

  1. 报名参加‘overdraft protection’.
  2. 唐’t enroll for ‘overdraft protection’.

什么是透支保护?

如果您决定申请透支保护,则您的银行或信用合作社将‘救你的尴尬’(因为许多人措辞如此),借记卡所产生的费用会导致借记卡被拒。为了这‘convenience’,他们将收取透支保护费。通常,此费用在30到40美元之间。参加透支保护通常意味着保持与自己相同的方式’一直在考虑银行透支费用。

请注意,新的联邦选择加入要求不适用于支票。它仅适用于借记卡和ATM交易。

如果我选择退出透支保护服务怎么办?

Simply declining 透支 protection 服务 is the equivalent of saying, “如果这笔费用使我的支票帐户中的余额低于$ 0,则不要’不要让购买通过。” You will not be able to make the purchase, but you will also save yourself the 透支 服务 fee.




您不仅可以节省费用,而且无法收费,这会警告您’在您的帐户中没钱了。就其本身而言,这是一种自动保护措施,可防止您花钱’t have.

Simply ask yourself if being charged $35 to avoid getting your card turned down for a $2 cup of coffee is a 服务 that you really want.

玩魔鬼’s advocate, if you have an emergency, and are willing to accept the 透支费, you will want to choose a bank that has a forgiving 透支 policy. I’ve突出了以下几个示例。

网上银行如何处理透支保护费

我可以’t tell you how your local bank or credit union is handling 透支费s, but 我可以 give you an overview of how the national online players are handling them at the moment for comparison. In general, they are very lenient in comparison to the standard $35 fee that most banks have charged historically.

透支费讨论:

  • Has your bank approached you about the 透支 protection fee changes? How did they phrase the opt-in to you?
  • Have you opted in to an 透支 protection 服务? Why or why not?

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