J. Bedsole - thanks for the reply to my question about Free Checking accounts last week. Do you - or anyone else - know which state(s) have rules that OD fees based upon OD duration are considered interest charges on an unsecured line of credit (thus we have to worry about exceeding usury limits)? My H/C has banks in PA, OH and FL. Our in-house legal counsel says it will be much easier to search our states' laws for something similar if he knew the cite for even one state's law of this type. Thanks a bunch in advance.

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Any opinion stated above is mine alone and not my employer's.

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Any opinion stated above is mine alone and not my employer's.