Why Some Banks Still Charge High Overdraft Fees
Congress scrapped a rule last year that capped how much banks could charge if you spent more than was in your account. Now, banks' revenue from the fees is rising.
Rethinking Overdraft: 3 Key Takeaways from Webinar with Chime on Short-Term Liquidity Solutions
Highlights from a Financial Health Network webinar about why overdraft persists—and where there is opportunity to rethink how liquidity is delivered. The webinar featured Chime and drew on insights from its development of SpotMe®, a fee-free overdraft feature.
Chime’s SpotMe: A New Model for Cash Flow Support
How can providers build liquidity solutions that work for consumers and businesses? With SpotMe, Chime is reimagining tools that meet their members’ needs.
YNAB: Helping Users Make Smarter Spending Decisions With Money Labeling
YNAB, a zero-based budgeting app, shows how money labeling—a FinHealth Standard—can transform everyday spending decisions into long-term financial resilience.
2025 FinHealth Spend Report Shows the Price of Participation in America’s Financial System Hit $455 Billion in 2024, with Financially Vulnerable Bearing the Heaviest Burden
Fees and interest surged by nearly $100B over two years as student loans resumed and credit card debt grew, costing Financially Vulnerable households 17 times more of their income than Financially Healthy households.
FinHealth Spend 2025: The Cost of Financial Services For American Households
Financial Health Network research reveals that Americans spent $455 billion in financial services fees and interest in 2024 as credit costs, student loans, and deep inequities strain households.
The Overdraft Fee Reality: Why We Need Standards to Support Consumer Financial Health
Without industry-wide standards, financial institutions struggle to provide consistent, consumer-friendly solutions to overdraft solutions. Learn how financial health standards can boost transparency, spark innovation, and improve outcomes for everyone.
Overdraft, NSF Fees Bigger Burden Than Previously Estimated
In 2024, consumers spent $12.1 billion on overdraft and NSF fees – approximately 48% more than previously thought.
Five trends to keep in mind as overdraft-fee battles heat up
The overdraft-fee battles are again flaring up following a last-ditch attempt by the Biden-era Consumer Financial Protection Bureau to rein in the charges.