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ABA: The American Bankers Association
Banking Topic

Overdraft Protection

Overdraft protection offers an important form of short-term liquidity that covers bank customers’ insufficient funds transactions. Explore ABA's advocacy efforts, research and more to help your bank stay up to date on this key issue.

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Before opting-in, consumers receive a one-page, consumer-tested, government required, opt-in form that explains debit card overdrafts and less expensive options. Consumers who are currently covered by overdraft protection have the right to opt-out at any time without consequence or cost.

Understanding Overdraft Protection

The American Bankers Association outlines how overdrafts happen and what you can do to prevent them.

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Consumers Value Overdraft Protection

A majority of U.S. consumers say their bank’s overdraft protection is valuable, according to a new national survey by Morning Consult. 

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Our Experts

Jonathan Thessin

Jonathan Thessin

Vice President & Senior Counsel, Regulatory Compliance and Policy

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Shelly Loftin

Senior Vice President, Retail, Lending, & Payments

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