Advertising 2-2023: TISA & Using “Free”
Music, all right so A1. Let’s talk about free or no cost.
This is what’s a free account.
Well, first off there can’t be any minimum balance fees and there can’t be any transfer service.
I’m sorry transaction or service fees that we would expect like a every debit or every debit over six.
You know, maybe you get six and then we’re going to charge a quarter for after that, then that would be some type of activity fee.
That we cannot call it free, but another way to find out about.
What does this mean is look at A2 with me other fees, you can have these and call it free and you’ll see fees not required to be disclosed under the and there’s, some Roman n there that’s the initial disclosure, so safety Deposit boxes like that, U reconciliation fees bookkeeping, something like that! Those are not required to be in the initial disclosure, so you can have those and still call it free check, printing balance and inquiry.
Stop payment! Look uh at that! One number 2D is in dog: stop payment fees and fees associated with checks, returned and paid.
So NSF fees, you’d, say about overdraft fees.
They don’t mention that. Well, the cfpb has clarified that when they said check returned unpaid NSF, they also meant or checks paid it’s.
The same overdrafts are included there as well fees against dman accounts and fees for ATMs as long as they aren’t required to have the ATM to maintain the account.
So you can have those things and call it free.
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