Skip to main content
An official website of the United States government
(855) 411-2372
Submit a Complaint

About us

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

I opted into debit overdraft but the bank/credit union still declined to allow a debit purchase I made. Can the bank do that?

Yes. Banks and credit union can decide whether to pay any particular item that would cause an overdraft.

Was this page helpful to you?

Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.