If I overdraw my account and my bank applies a charge or referral fee, do they have to tell me that they are charging me that amount?
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There is no federal regulation that requires your bank to notify you at the time they assess such a fee. There is guidance that applies to banks that have courtesy overdraft programs that suggests a notice when customers become overdrawn, as a best practice.
There may also be a state law that would require your bank to notify you when your account goes overdrawn. Banks are required to show the overdraft fees on your periodic checking account statement.
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There is no federal regulation that requires your bank to notify you at the time they assess such a fee. There is guidance that applies to banks that have courtesy overdraft programs that suggests a notice when customers become overdrawn, as a best practice.