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Digital Overdraft Protection

Making it a consumer benefit again

Jim Bruene

Oct. 29, 2012; OBR 210


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Abstract: Overdrafting checking accounts is a $30+ billion market in the United States, even before adding in the return-item fees and various merchant charges.

But in the digital world, where you can reach your customers in real-time for pennies, itís getting harder to justify $30+ fee for a negative balance or for rejecting a check for lack of funds.

In the latest Online Banking Report, we look at how to make overdraft protection a true consumer benefit that maintains the relationship, rather than an adversarial situation that drives customers away. We look at the current state of overdraft protection, primarily through lines of credit and linked accounts, and propose two dozen mobile and online enhancements.
Companies mentioned: Bank of Internet, Bank of the West, Citibank, First Tennessee, HelloWallet, ING Direct, Key Bank, Kinecta Credit Union, Legacy Community FCU, M&T Bank, Netspend, Public Service Credit Union, Sandy Spring Bank, Simple
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