根据Lexington Law (2018)的数据显示,超过60%的美国人并没有习惯每天检查自己的银行账户。对于广大留学生和新移民来说,可能更没有养成定期查看银行账户的习惯,但每天都会使用借记卡进行日常消费,往往一不小心就消费超出账户余额,造成透支的情况。即使是超出几块钱,银行还是会收取你$34 - $36不等的Overdraft Fee(透支费用),以下是Cheese为大家整理出来的各银行Overdraft Fee价格一览表。
![Overdraft Fee Comparison](https://cdn.prod.website-files.com/5d58e3031e139811311ef0d6/5e4ddcea65fa5bac5e8d21f8_vDL5Dp3C5QVoc6LAaLHH9MtTLUF4m5nUoHQ9Dh5DTb6i93yPKFT9F9Hb3pmDIY5OuA7oi8ttgt26antMDjuOs8CWdOdvsUNPoyglw3HdcnDsqXZWE1ji0pk57ntpTNqCA9RPX4M2.png)
为了更好地服务客户,银行也想出了许多方法可以减少收取高额的Overdraft Fee透支费用,比如关联储蓄账户,或是设置余额消息提醒等,都能有效避免透支的情况出现。然而,各个银行都有各自收取透支费用的政策,也有不同的应对方法可以帮你从银行手里要回这些钱。为了能帮大家更便捷地省下这笔钱,我们罗列了各大银行Overdraft Fee透支费用政策及减免攻略:
![Chase](https://cdn.prod.website-files.com/5d58e3031e139811311ef0d6/5e4dc612492a603127ef1c13_UPIlZq4dEDG9KHoxojHapG1Q8_a3DHE0_r5H4yCqDDpHodgJkjuJFjobff4fStcx11LwEXDIdv-pKYO5acOXy7zmFR6nDnl-Rd3gON-QQEpa08qVMqbqRyOnpgQRVpwN1Ntdefr0.png)
Chase标准Overdraft Fee透支费用: $34/笔
每日最高透支费限额:$102 (3笔)
![Bank of America](https://cdn.prod.website-files.com/5d58e3031e139811311ef0d6/5e4dc6122d218b6df847fa32_kQYlauBR1pyzSvTwGhOrNY7HZrFT5X74FYBP2fgvjC6uTDw5xI_vZ4-Zp8k-vUwyzGl1uwVoe54YV-fabMrZGB30W_2gROQL5A0lBXZxTE0HyAyKfs0YDU9wk7aHScuuIOBMFREu.png)
Bank of America标准Overdraft Fee透支费用:$35/笔
每日最高透支费限额:$140 (4笔)
![Wells Fargo](https://cdn.prod.website-files.com/5d58e3031e139811311ef0d6/5e4dc612c6ae22d3736909ad_xaeZDx4eFY0oxjf1jqjQTt5Pk6BAVAMgJULsUuuW54h2C3cNzB87cfaX1a748LdR4gWDv3ALZdEI9sStH4fvqSqOGERH8LC3g0ABsVuM8rzWTtrMENUe4cPI_oboCTwJOxREHSVA.png)
Wells Fargo标准Overdraft Fee透支费用:$35/笔
每日最高透支费限额:$105 (3笔)
![Citi Bank](https://cdn.prod.website-files.com/5d58e3031e139811311ef0d6/5e4dc6121691ab7a0d5c6a68_LI_ileZWhfqq-siubr71f8VnyAP4kkSt4rglr5z478gwX4U7Y_rmBT26y0CsbZL_VCDr_KlVpRrvs3Fj9gCWXLtjZPf01ywdi_FTdTU9Bde-ezwfzhJh01JxT_cJ2uNSuxQW244K.png)
Citibank标准Overdraft Fee透支费用:$34/笔
每日最高透支费限额:N/A
![US bank](https://cdn.prod.website-files.com/5d58e3031e139811311ef0d6/5e4dc61396cab1728ff4b897_un756rz71H0IGj-wg6ffkRUAl5ovcBj0k0IHku2gTHOL0D3hNYnwIY4Hc_REUXTOQkt7DU8YLzWtoX-zq_WeRyCjtXQb1QXOGL5uM8r0k2YqoOF3wUQovzEPruoZJaBu7N40iQ7Q.png)
US Bank标准Overdraft Fee透支费用:$36/笔
每日最高透支费限额:$144(4笔)
![PNC Bank](https://cdn.prod.website-files.com/5d58e3031e139811311ef0d6/5e4dc61396cab10405f4b896_REF8w_u9qRumN3adHU0Llk3LEwfEx4lSeV08H0ppsHuBdFWqSOip7HmB49uY5p7oKRBPdVRcMsVCoz-Vu5nCJtfj86Yuq61wzsHqPSb0u9poOapqMNH6Y6TGk8KAuHVNZan29fP_.png)
PNC Bank标准Overdraft Fee透支费用:$36/笔
每日最高透支费限额:$144(4笔)
![Citizens Bank](https://cdn.prod.website-files.com/5d58e3031e139811311ef0d6/5e4dc6131691ab57275c6a80_YUpkt9YfFGH8VaLx9vieM_UTaglLwPzm5W7fl1HdkXHC0LxZRCVkg9TPN7ts26Lhhj9SDrEL2vssRPjDHg7qXXEbWbBF8UV79ADIkxSBoNQenbFc8vXD7eKbMwHxCvO4XtAasmPQ.png)
Citizens Bank标准Overdraft Fee透支费用:$35/笔
每日最高透支费限额:$245 (7笔)
![TD Bank](https://cdn.prod.website-files.com/5d58e3031e139811311ef0d6/5e4dc613525c832db7f9276e_ell-RAhVr0eAvFmvwGiJnMIRp92fw4JKK2RoE7e6O9FsrtNCQW1iIC6qZf8oa-Y7hbpsMEcGvqFDJDk1Uz8rWG10SpcAF6kWtUwu-qxPU2VuZnF7koMjywE5Wxa-d6MADtF0VNJr.png)
TD Bank标准Overdraft Fee透支费用:$35/笔
每日最高透支费限额:$175(5笔)
![BB&T](https://cdn.prod.website-files.com/5d58e3031e139811311ef0d6/5e4ddcebd0d0f9c55bbc27f8_3ouOCbGnEGRjGWk9bgHcXyL2A4yc-uDXZ93mqpJhjxAD-SsVieLYLlnwcXZCYxuJYq9gB6vQKIvRJytZqeB9vNgOCqLrc632h1Eb-qnzX8DJ-4FGVyHbNYEyqMpEjZ6XjPGYv-kK.png)
BB&T标准Overdraft Fee透支费用:$36/笔
每日最高透支费限额:$216(6笔)
当然,如果不想烦心Overdraft Fee透支费用,还有一个一劳永逸的解决办法,就是选择不收取Overdraft Fee的借记卡,比如Cheese Debit Card小黄卡。既能省时间还能省钱,Cheese借记卡提供储蓄利息+消费返现,还是100%免费无手续费的哦!快来加入我们吧~
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