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SURVEY RESULTS

GETTING OVER AND
BEYOND OVERDRAFTS

If you're interested in hundreds of bankers' first-hand experiences and perspectives on what they're thinking about and planning to do regarding the changing overdraft landscape, download our most recent survey "Getting Over and Beyond Overdrafts" survey results.

Send Me the Survey Results

Tracking OD Policy and Pricing Changes

Financial institutions of all sizes are looking at overdraft fees in a new light. Market forces and potential heightened regulatory scrutiny require OD/NSF policy changes in various forms like longer grace periods, more warning notifications, reduced or eliminated OD fees, and more.

As your FI is determining what it will do regarding overdraft fees, consider this your one-stop shop for info related to what other FIs are thinking, planning and doing about overdraft policy and pricing changes. Be sure to bookmark this page.

ACTIONS AND TIMELINE OF ANNOUNCED CHANGES

Below is a chart with links to their announcement and a timeline of these announced moves by financial institutions of all types and sizes all over the country. Our team is continuing to monitor reported OD changes by FIs and will update this page with the latest details. (When your FI has changed its OD fee policy, let us know!)


A = Eliminate overdraft fees (all or selected accounts); B = Increase grace period to cure; C = Lower overdraft fee; D = Offer flat fee no overdraft account; E = Offer better notification tool; F = Increase safety zone (amount of OD); G = Other (i.e., eliminate or reduce NSF fees or transfer fees); Dates are announcement dates per online research
FI	A	B	C	D	E	F	G
Advantis Credit Union			C
Affinity Credit Union			C			F
Alliant Credit Union	A						G
Ally Financial	A
Ameris Bank		B			E	F	G
Amplify Credit Union	A					F
Atlantic Union Bank		B		D			G
Bank of America			C			F
Cape Cod 5 Bank	A				E
Capital One Bank	A					F
Chase Bank		B	C			F
Citibank	A		C				G
Citizens Bank				D	E	F
Connexus Credit Union			C
CoVantage Credit Union	A
Discover Bank	A
Eastern Bank	A
ESL Federal Credit Union			C
Fifth Third Bank		B	C		E		G
First Citrus Bank	A
First Citizens			C				G
First Financial Bank (OH)		B	C	D
First Interstate Bank	A	B			E	F
Flagstar	A	B				F	G
Flushing Bank	A				E
Frost Bank		B				F	G
Hancock Whitney Bank	A			D		F	G
Huntington		B				F
Key Bank			C	D	E	F
Langley Federal Credit Union			C			F	G
New York Community Bank	A	B				F	G
M&T Bank			C		E	F
MAX Credit Union					E	F
Midwest One		B			E		G
PNC					E		G
Power Financial Credit Union	A
Regions Bank							G
Renasant Bank		B			E		G
Robins Financial Credit Union			C			F	G
Santander		B
Schwab Bank	A
Stanford Federal Credit Union			C			F	G
TD Bank				D
TIAA Bank	A
Towne Bank (VA)			C			F	G
Truist Bank	A		C		E
Trustmark Bank						F	G
United Federal Credit Union - Michigan			C
University Credit Union	A
USAA							G
US Eagle Credit Union	A
UW Credit Union			C
Wells Fargo	A	B		D			G
WEOKIE Federal Credit Union			C
Westerra Credit Union	A
Zions Bank		B	C			F	G