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Photo of rolled up dollar bills in various denominations: 1, 2, 5, 20. Three rolled bills stand on the left in the background, while seven lay on their side in a pile on the right.

Advocacy & Research

The Secrets of Overdraft: How Banks Are Making Billions on Our Small-Dollar Mistakes uses new overdraft-specific call report data from the Federal Financial Institutions Examination Council and consumer complaints published by the CFPB. The data shows great variation in rates of overdraft fee revenue, relative for deposit holdings. These differences underscore the fact that bank policies influence how often consumers experience an overdraft.

Read the report below:

Fact Sheets:


  • Kate B Reynolds Charitable Trust
  • Mecklenburg County
  • North Carolina Housing Coalition
  • North Carolina Housing Finance Agency
  • Pacific Western Bank
  • Pinnacle Financial Partners
  • The Rockefeller Foundation
  • Truist
  • The University of North Carolina at Chapel Hill
  • Wells Fargo
  • Equal Housing Opportunity
  • Bank of America
  • Blue Cross and Blue Shield of North Carolina Foundation
  • City of Durham Economic & Workforce Development
  • Fifth Third Bank
    Fifth Third Bank
  • First Horizon