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1 Information from The New York Times: Overdraft Fees Are Dwindling, Survey Finds as of August 24, 2023: https://www.nytimes.com/2023/06/16/your-money/overdraft-fees-banks.html
2 Information from Chase’s Standard Overdraft Practice as of March 3, 2023: https://www.chase.com/personal/checking/overdraft-services/standard-overdraft-practice
3 Information from Wells Fargo’s Overdraft Services as of March 3, 2023: https://www.wellsfargo.com/checking/overdraft-services/#:~:text=What%20is%20the%20fee%20for,fee%20for%20items%20returned%20unpaid.
4 Information from Bank of America’s Overdrafts and overdraft protection FAQs as of March 3, 2023: https://www.bankofamerica.com/deposits/overdrafts-and-overdraft-protection/
5 Information from Capital One’s Overdraft Options as of March 3, 2023: https://www.capitalone.com/bank/overdraft-options/
6 Information from Discover’s Overdraft Protection Agreement as of March 3, 2023: https://www.discover.com/content/dam/dfs/online-banking/documents/Overdraft_Protection_Agreement.pdf
7 Information from USAA’s Federal Savings Bank Agreements And Disclosures as of March 3, 2023: https://www.usaa.com/pdf/DaD0406_BillPay0704_SvcFee0606.pdf?cacheid=57814416
8 Information from Chime’s Fee-Free Overdraft as of March 3, 2023: https://www.chime.com/spotme/
9 Information from Ally Bank’s Overdraft Protection FAQs as of March 3, 2023: https://www.ally.com/help/bank/overdraft-protection/#:~:text=CoverDraft%20acts%20as%20a%20safety,bill%20payments%2C%20at%20no%20charge.
10 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account at least once every 28 days and Visa debit card activation. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions: https://www.chime.com/policies/stride/spotme_terms/ | https://www.chime.com/policies/bancorp/spotme_terms/
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