There’s also a element that is psychological. Also if it is cheaper to cover one $35 overdraft cost every half a year than a lot of $3.95 reload and deal costs, Baradaran notes that clients are far more comfortable having to pay deal expenses than something that they see as a penalty, or punishment. “They become annoyed or resentful.”

There’s also a element that is psychological. Also if it is cheaper to cover one $35 overdraft cost every half a year than a lot of $3.95 reload and deal costs, Baradaran notes that clients are far more comfortable having to pay deal expenses than something that...