Andy,
What I stated above is our bank's policy, and the way we have chosen to interpret the law. I agree that overdrafts on a DDA after the person has been called to active duty would not fall under SSCRA, and it is unlikely that we would pay an overdraft for that reason. We established a GL for reversed OD fees because IF someone claims that they are in trouble because of their reduction in income, we wanted to be able to at least reverse the fees and not have it count against the branches. (We have very strict rules about fee reversals).
The Act also states that a person may be asked to establish proof that they are "materially affected" by their duty status. Because we are a community bank, we decided not to ask for that proof, but to extend the protections to anyone who applies.
You are in a different position, because you are located very near an military base and therefore much more likely to be impacted than we are. I can understand why your would interpret this act more strictly than we do.
Leslie
[This message has been edited by Leslie (edited 01-12-2002).]