This site covers US bank account rules — overdraft programs vary by bank and by state.Federal Regulation E requires your bank to get your opt-in before charging a fee on a one-time debit card or ATM overdraft.A first-time overdraft fee is often refundable just by asking — most banks will do it once, for free.We are not a bank, and we do not sell overdraft protection — we explain how the fees work and what your free options are.Free help exists: your own bank's fee-waiver request line, and NFCC-affiliated nonprofit credit counseling.This site covers US bank account rules — overdraft programs vary by bank and by state.Federal Regulation E requires your bank to get your opt-in before charging a fee on a one-time debit card or ATM overdraft.A first-time overdraft fee is often refundable just by asking — most banks will do it once, for free.We are not a bank, and we do not sell overdraft protection — we explain how the fees work and what your free options are.Free help exists: your own bank's fee-waiver request line, and NFCC-affiliated nonprofit credit counseling.

Free download

The Overdraft Fee Stop-and-Compare Workbook

Gather your numbers in one place, compare standard coverage against a no-fee account side by side, and walk into any call — with your bank, a nonprofit counselor, or a new provider — prepared.

A worksheet to total your overdraft fees by month and by year
A side-by-side comparison of standard coverage vs. a no-fee account
Questions to ask before switching to any no-fee provider
A list of official, free sources to check first

No payment, no account, no waiting for an email — the PDF downloads the moment you submit.

See your options Free workbook