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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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Consumer Banking

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.

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Understanding Overdraft Options

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

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Keeping Payments Safe

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Our Experts

Jonathan Thessin

Jonathan J. Thessin

Senior Counsel, Consumer and Regulatory Compliance

Regulatory Compliance

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Leslie T. Callaway

Director, Compliance Outreach & Development, Consumer Regulations and Compliance Solutions

Regulatory Compliance

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Shelly Loftin

SVP, Retail Banking, Lending & Payments

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