Our fee disclosure just had "fee for each insufficient funds debit returned unpaid" and "fee for each debit paid that creates an overdraft" and the amount.
After an examination we added the words "This fee applies to insufficient funds (or overdrafts) created by check, in-person withdrawal, ATM withdrawal, or other electronic means".
Our other fee is listed as "Daily Overdraft Fee (not applicable to savings accounts) and the amount.
I'm also trying to gain agreement to make these even more clear to our customers, similar to the Reg E disclosure, even though, due to our overdraft service we don't need to send that disclosure since there is nothing to opt out of.
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I hear and I forget. I see and I remember. I do and I understand.--Confucius