Thank you for taking the time to complete this important survey. The information you provide will remain confidential; the League will not disclose any data identifying a particular credit union that is not published in Call Report information. The League may use the raw, aggregate data to conduct an analysis that will be used to inform regulators' rulemakings. Please complete the survey by June 5, 2015.

We apologize for the length of the survey, but we believe the questions will provide relevant, practical data to share with the CFPB.

IMPORTANT: Please complete the survey even if you do not have an overdraft program. In which case, you will be asked only a few questions.

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* 1. How many share draft checking accounts do you have?

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* 2. Do you offer an overdraft or courtesy pay program? (If no, skip to Contact Information)

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* 3. How many share draft checking accounts have opt-in to your overdraft program (ATM and/or One-time Debit Card transactions)?

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* 4. Of those accounts in your overdraft program, how frequently do they overdraft per month? (Please indicate what percent of accounts in the overdraft program incur an overdraft on average zero times per month, 1-3 times per month, etc. Please enter a percentage in each category)

# Per Month (% of Accounts)

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* 5. Please indicate the underlying debit card transaction amounts for which the majority of debit card overdrafts occur.

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* 6. For which types of transactions does your overdraft or courtesy pay program allow members to go into negative balance?

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* 7. For which do you require an affirmative opt-in? (Note: Regulation E requires an affirmative opt-in only for ATM and One-Time Debit transactions)

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* 8. Regarding your overdraft dollar limits (the amount members can bring their account balances negative),do you have tiered overdraft dollar limits based on the member's account history, or a single dollar limit for all members?

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* 9. What is your overdraft dollar limits (Please enter a range $min-$max if tiered, or a single amount if not tiered)

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* 10. In what order do you post transactions:

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* 11. What is your fee to pay an overdraft?

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* 12. What is your fee to return an NSF item unpaid?

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* 13. What is your fee to transfer funds from a linked account to avoid an overdraft?

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* 14. Do you have a minimum transaction amount for which you charge an overdraft fee (e.g., no fee when the transaction is $X or less)?

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* 15. If yes, what is the minimum transaction amount?

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* 16. Do you have fee caps per day, month or year?

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* 17. If you do have fee caps, please indicate the caps per day, month and year.

Max Number of Fees

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* 18. Do you charge a fee for a sustained negative balance?

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* 19. If yes, what is the sustained negative balance fee amount?

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* 20. If yes, when is the sustained negative balance fee charged? (Please enter on which day the fee is charged. For example, if the fee is charged on the 4th day, enter 4)

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* 21. Is your Account Agreement available online?

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* 22. Is your Fee Schedule available online?

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* 23. Is information about your overdraft program (separate from your Account Agreement) available online?

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* 24. Do you disclose the option of transferring funds from a linked account to avoid overdrafts?

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* 25. Do you disclose in what order you post payments?

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* 26. Do you disclose to members their individual overdraft limits?

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* 27. Do you include an arbitration clause in your Account Agreement?

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* 28. Does your arbitration clause allow members to opt-out of arbitration before a dispute (e.g., within a specific time period after account opening)?

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* 29. Does your arbitration clause allow for exemptions when a dispute can be heard in small claims court?

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* 30. What correspondence do you provide to members regarding your overdraft program? (Please describe each type, and when and how often it is provided)

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* 31. Contact Information

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