Overdraft Innovations Speed Disruption of Checking

Executive Summary

Overdraft, the fee-based service that enables consumers to make debit transactions in excess of their available account balances, attracts significant attention from financial institutions, consumers, consumer advocates and policymakers.

Since our report, Competition Drives Overdraft Disruption, was released in December, seven additional major financial institutions have announced changes to their overdraft policies and procedures. While the moves differ in approach, they collectively signal a continued interest in the issue as competitors in financial services take note of changing consumer needs and reputational management.

In Overdraft Innovations Speed Disruption of Checking, Curinos outlines the questions financial institutions will consider as they respond to a market that is being shaped by ever-changing dynamics.

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