Money News
How overdraft opt-in works, and what happens if you say no
A federal rule lets you block your bank from covering — and charging you for — one-time debit card and ATM overdrafts. Here's what your opt-in choice actually…
Author
Naomi Bergman
Independent editorial contributor covering fintech, payments, household credit, regulation and markets.
Articles by Naomi Bergman
Money News
How a credit freeze works, and how it differs from a fraud alert
A freeze is free at all three bureaus, lasts until you lift it, and by law comes off within an hour when you ask online or by phone. Here is what it blocks,…
Finance News
Fed holds rates at 3.50%–3.75% again — with an unusually split vote
The Federal Reserve left its target range unchanged on July 29, 2026 for a divided committee — the vote split wide enough to signal real debate about what comes…
Finance News
Inflation eased to 3.5% in June 2026 — what it means for your budget
Consumer prices rose 3.5% over the year ending in June, a slowdown from May's pace, per the Bureau of Labor Statistics — steady enough to keep the Fed on hold,…
Finance News
Why your credit card APR barely moves when the Fed cuts
Card rates ride a formula — prime plus the issuer's wide margin — so Fed cuts pass through fully but change almost nothing.