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Bank Accounts: Articles

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Top Ten Ways The CFPB Can Help You With Financial Questions

The U.S. PIRG Education Fund has put together this great resource of how the CFPB can help you. It includes information on how to make complaints to the CFPB. Read More


Why Overdraft Fees Should Be Limited to a ‚ÄúReasonable and Proportional‚ÄĚ Standard

In April, NCLC released a white paper on overdraft fees, saying the fees should be "reasonable and proportional" to better protect consumers. Read More


When Nudges Fail: Slippery Defaults

This piece discusses policy defaults, like those on bank accounts that might automatically allow an account to be overdrawn at an ATM, and how they could be used to educate consumers. Read More


Higher fees on bank accounts are costing Americans up to $144/year

See this new report by California Reinvestment Coalition (one of our Paying More for the American Dream partners) about the high fees charged by banks on basic banking accounts. Read More


Criticism Grows as Check-Cashing Stores Expand in Poorer Areas

Behind bulletproof glass, a smiling teller at a RiteCheck store in the South Bronx waited patiently for customers to hand over their checks. For every $100 cashed, she collected a $1.91 service fee. Read More


CFPB Report Raises Concerns About Impact of Overdraft Practices on Consumers

The report shows big differences across financial institutions when it comes to overdraft coverage on debit card transactions and ATM withdrawals, drawing into question how banks sell this account feature. Read More


Room for Debate: Are Banks Making Too Much Money From Fees?

Since the collapse of the housing bubble, and the recession, banks have been making more money from consumer fees. Do these charges need to be more closely regulated or limited, or are they necessary for the health of the banks, and the economy. Read More


Nine U.S. Banks Said to be Examined on Overdraft Fees

Two years after regulators gave Americans more power to manage overdrafts of their checking accounts, the Consumer Financial Protection Bureau is reviewing bank practices to determine if the crackdown went far enough. Read More


Banking on Opportunity: A Scan of the Evolving Field of Bank On Initiatives

This report provides background on the "Bank On" model, which expands access to safe, affordable financial services and related financial education for unbanked households, as well as summary information about program structures, partnerships, funding, successes and challenges, special considerations and gaps in the field. Read More


Bully for BofA: New Debit Card Fees!

Bank of America's starting charging monthly fees for debit card usage to some customers... So what does Bank of America's move tell us? Read More