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  • What is your card's rate over prime?
  • What moves your card rate?
  • What are your savings really worth after inflation?
  • What does a term deposit pay after inflation?
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Canada, EnglishCanada, FrançaisUnited States, English

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Market changes the cards, the currency and the terms. Language changes only the words.

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US · EN

Market changes the cards, the currency and the terms. Language changes only the words.

Market

  • Canada Cards available
  • United States Catalogue in preparation

Language

  • English
Account

Ask CFPB

Answers from the regulator, in its words

Questions people ask about cards, answered from the Consumer Financial Protection Bureau's published Q&A. We link the answer and quote it; we do not rewrite it.

  • What is a prescreened credit card offer?

    CFPB · read October 2, 2026

    Prescreened credit offers are firm offers of credit.
    Read the full answer at consumerfinance.gov

  • What is a money market account?

    CFPB · read October 2, 2026

    A money market account is a type of account offered by banks and credit unions. Like other deposit accounts, money market accounts are insured by the FDIC or NCUA, up to $250,000 held by the same owner or owners.
    Read the full answer at consumerfinance.gov

  • How do I get my money back after I discover an unauthorized transaction or money missing from my bank account?

    CFPB · read October 2, 2026

    Once you notify your bank or credit union about an unauthorized transaction (that is, a charge or withdrawal you didn’t make or allow), it generally has ten business days to investigate the issue. The bank or credit union must correct an error within one business day after determining that an error has occurred. Your bank or credit union then has three business days to report its findings to you.
    Read the full answer at consumerfinance.gov

  • What is an overdraft?

    CFPB · read October 2, 2026

    An overdraft occurs when you don’t have enough money in your account to cover a transaction, but the bank pays the transaction anyway.
    Read the full answer at consumerfinance.gov

  • What can I do if my bank charged me a fee for overdrawing my account?

    CFPB · read October 2, 2026

    For one-time debit card transactions and ATM withdrawals, banks cannot charge you an overdraft fee unless you opt in. However, banks are allowed to charge overdraft fees for checks and recurring electronic payments, even if you did not opt in.
    Read the full answer at consumerfinance.gov

  • If I link my credit card to my checking account to cover overdrafts, can the bank/credit union charge me a fee each time I use it to cover an overdraft?

    CFPB · read October 2, 2026

    If you link your credit card to your checking account to cover overdrafts, you can be charged a fee if the fee was disclosed to you.
    Read the full answer at consumerfinance.gov

  • How can I avoid debit card overdrafts?

    CFPB · read October 2, 2026

    You can avoid debit card overdraft fees by declining to opt in to debit card overdraft or by cancelling debit card overdraft coverage if you have opted into it.
    Read the full answer at consumerfinance.gov

  • If I opted into debit overdraft, can the bank/credit union still decline a debit purchase if it would overdraw my account?

    CFPB · read October 2, 2026

    Yes. Banks and credit unions can decide whether to pay a debit transaction that would cause an overdraft.
    Read the full answer at consumerfinance.gov

  • I bounced a check. Will this show up on my credit report?

    CFPB · read October 2, 2026

    It depends on what you wrote the check to pay.
    Read the full answer at consumerfinance.gov

  • What is a home equity line of credit (HELOC)?

    CFPB · read October 2, 2026

    A home equity line of credit (HELOC) is an “open-end” line of credit that allows you to borrow repeatedly against your home equity.
    Read the full answer at consumerfinance.gov

  • A telemarketer took money from my checking account even though I did not agree to buy anything. Can I get the money back?

    CFPB · read October 2, 2026

    Contact your bank or credit union immediately. You should tell your bank or credit union you never authorized this payment. You should also ask the bank or credit union to reverse the debit.
    Read the full answer at consumerfinance.gov

  • I gave my debit/ATM card to a friend and told them only to take out a small amount, but they took out more money. My bank/credit union won't refund the money. Does the bank/credit union have to give it back to me?

    CFPB · read October 2, 2026

    No. You authorized your friend to use your card. Your bank or credit union does not have to give you back the money.
    Read the full answer at consumerfinance.gov

Where these came from

Source
Consumer Financial Protection Bureau.

Quoted from the CFPB. Skarp adds no commentary and no figure.

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