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Our Latest Posts About: Overdrafts

How Banks INTENTIONALLY Rip Off Customers!

Here's how banks use technology to intentionally boost overdraft fees.


I hate when I see companies intentionally doing things to take advantage of consumers, and this one in particular is an example of how not only one company, but an entire industry goes out of their way to rip off customers.

Here's the problem in a nutshell.

Let's say you have $500 in the bank, and you go shopping using your debit card.

First you buy something for $10.
Then you buy something else for $10
You then spend another $10 in 8 other stores.
All together you've spent $100 of the $500 in 10 different stores, leaving you $400.

On your way home, you have a problem with your car and you spend $500 to have it fixed.

Since you now have $400 in the bank, the $500 transaction is considered an... [More]

Continue...How Banks INTENTIONALLY Rip Off Customers!...

Predictive Overdraft Alerts

LARGE-359

Most banks can send you an alert when you have an overdraft, but they don't send you an alert BEFORE you have an overdraft.


Before online banking came along, it was pretty easy to maintain a traditional checkbook, and prevent overdrafts. As long as you recorded every deposit, and withdrawal, you knew exactly how much was in the account at any given time, so it was easy making sure you never bounced a check.

Today, more people pay their bills through automatic bill payments than ever before, so balancing your checkbook is a lot harder. Even when you write down every deposit or withdrawal, your balance can be a moving target as your scheduled automatic payments hit the account, so you need to constantly check the account to see what payments were posted.

Since some payments... [More]

Continue...Predictive Overdraft Alerts...

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* Note: The ideas on "Idea of the Day" were posted without any formal research into existing inventions.

In some cases, patents may already exist for these ideas, in other cases, there may not be any existing patents and you are free to develop and explore the viability of developing and patenting the ideas.

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For some people, our ideas are just an interesting read, but our goal is to encourage you to take action. If you see an idea that you like, do something with it... Take action.


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