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Know Your Overdraft Options

Texas · TexasLawHelp.org

This document is a guide that explains what an overdraft is and what happens when a bank covers a transaction even if your account doesn't have enough money. It lists several options a person can consider to manage or reduce overdraft fees.

The court describes it as: Consumer Financial Protection Bureau flier about what to do if you overdraw your bank account.

Open the official PDFfrom TexasLawHelp.org

Where this fits in a case

General & info

Information / general use — not tied to one step of a case

This information is provided to consumers who are concerned about overdraft fees from their bank or credit union.

Either party may file.

Common questions

What is an overdraft?
An overdraft happens when you try to make a purchase or withdrawal, but you do not have enough money in your account, and the bank or credit union pays for it anyway.
What options does this guide suggest for overdrafts?
The guide suggests three options: opting out of overdraft coverage, linking your checking account to a savings account, or asking about a line of credit.

Revision history

No changes recorded since we started tracking this form on October 9, 2026.

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