Trends in overdraft/non-sufficient fund (NSF) fee revenue and practices

This page provides CFPB's latest data and analysis as well as a record of previous reports and data.

Latest data and analysis

April 24, 2024

Overdraft/NSF Revenue in 2023 down more than 50% versus pre-pandemic levels, saving consumers over $6 billion annually

• Table tracking overdraft fees and policies across banks

Previous data and analysis

October 11, 2023

Data spotlight: Vast majority of NSF fees have been eliminated, saving consumers nearly $2 billion annually

May 24, 2023

Data spotlight: Overdraft/NSF revenue down nearly 50% versus pre-pandemic levels

• Table tracking overdraft fees and policies across banks
• Chart on NSF fee practices (JPG)

Feb 07, 2023

Data spotlight: Banks’ overdraft/NSF fee revenue declines significantly compared to pre-pandemic levels

• Table tracking overdraft fees and policies across banks
• Chart on NSF fee practices (JPG)

Jul 20, 2022

Banks’ overdraft/NSF fee revenues evolve along with their policies

• Table tracking overdraft fees and policies across banks
• Chart on NSF fee practices (JPG)

Apr 13, 2022

Consumers on course to save $1 billion in NSF fees annually, but some banks continue to charge these fees

• Table tracking overdraft fees and policies across banks

Feb 10, 2022

Comparing overdraft fees and policies across banks

• Table tracking overdraft fees and policies across banks

Dec 01, 2021

Data Point: Overdraft/NSF Fee Reliance Since 2015 – Evidence from Bank Call Reports

• Full report (PDF)