Several large U.S. banks reported an uptick in overdraft-related income for the first three quarters of 2025. Economic pressure on consumers may be to blame, some banks and industry observers say.

Banks are making billions of dollars annually from overdraft fees, with Chase alone earning $1 billion last year.Wells Fargo and Navy Federal Credit Union are also cashing in, reporting $1 billion and ...

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When you use more funds than you have in your checking, savings, or money market bank account, you can end up with a negative balance. That can lead to your bank declining future transactions. If you ...

Overdraft protection helps you avoid having transactions declined, even if your balance is low. Different banks offer various types of fee-based overdraft protection. Using overdraft protection ...