Staff writer

Julianne Moss

11 articles · mostly Banking & Savings Education

Articles

Banking & Savings Education
How to Read Overdraft Fees and Opt-In Rules on Debit Cards
Banks generally need your opt-in before charging overdraft fees on ATM and one-time debit card purchases. Here is how to check where you stand.
Julianne MossNov 3, 2026
Banking & Savings Education
How Funds Availability Rules Decide When Your Deposited Check Clears
Regulation CC sets the longest a bank may hold your deposit. Here is how the schedule, the 2025 dollar changes and common holds fit together.
Julianne MossOct 28, 2026
Banking & Savings Education
Why Your Deposit Is On Hold and What You Can Do About It
Federal funds availability rules give banks specific reasons to delay access to deposited money, and knowing those reasons helps you ask the right questions about your hold.
Julianne MossOct 20, 2026
Banking & Savings Education
How Mobile Check Deposit Works and What to Do With the Paper Check
Funds availability rules decide when your money is ready. Here is what the CFPB says about cut-off times, holds and new accounts, and what the sources leave unanswered about the paper check.
Julianne MossOct 13, 2026
Banking & Savings Education
What Happens When a Check You Deposited Bounces
A bounced or fraudulent deposit can be reversed even after you spend the money. Here is what the CFPB and HelpWithMyBank.gov say about holds, reversals, and fees.
Julianne MossOct 6, 2026
Banking & Savings Education
Overdraft Fees vs. NSF Fees: What Separates Them
Both fees hit when an account runs short. Here is how the bank's choice to pay or decline changes the charge, and where the opt-in rule applies.
Julianne MossSep 28, 2026
Banking & Savings Education
How to Opt Out of Overdraft Coverage for Debit Card and ATM Transactions
Federal rules let you decline overdraft coverage on debit and ATM purchases. Here is what opting out does, what it does not do, and what to ask your bank.
Julianne MossSep 21, 2026
Banking & Savings Education
Overdraft Line of Credit or Savings Transfer: How They Differ
Two ways to cover a checking shortfall, what the CFPB says about each, and the questions to ask your bank before a fee hits.
Julianne MossSep 14, 2026
Banking & Savings Education
How Posting Order Affects Overdraft Charges
Authorize-positive, settle-negative fees, intervening debits, and Regulation E 1005.17: what regulators have said and what the sources leave unanswered.
Julianne MossSep 7, 2026
Banking & Savings Education
How Monthly Maintenance Fees Work and How to Avoid Them
Banks and credit unions can charge a monthly fee on checking and savings accounts. Here is what they must disclose, how fees get waived, and what "free" really means.
Julianne MossAug 23, 2026
Banking & Savings Education
Why Banks Deny Checking Accounts and What Your Consumer Report Reveals
A rejected checking application often traces back to a specialty banking report rather than your credit score. Here is how to read that file, check its dates, and dispute mistakes.
Julianne MossAug 16, 2026

How to Read Overdraft Fees and Opt-In Rules on Debit Cards

How Funds Availability Rules Decide When Your Deposited Check Clears

Why Your Deposit Is On Hold and What You Can Do About It

How Mobile Check Deposit Works and What to Do With the Paper Check

What Happens When a Check You Deposited Bounces

Overdraft Fees vs. NSF Fees: What Separates Them

How to Opt Out of Overdraft Coverage for Debit Card and ATM Transactions

Overdraft Line of Credit or Savings Transfer: How They Differ

How Posting Order Affects Overdraft Charges

How Monthly Maintenance Fees Work and How to Avoid Them

Why Banks Deny Checking Accounts and What Your Consumer Report Reveals