We study consumer use of two short-term credit products offered by banks: overdraft and deposit advance. On average …, consumers who use overdraft pay 13 percent of their monthly deposits to cover fees; consumers who use deposit advance pay less … (sustained) use, fees increase by 250 percent for overdraft and by nearly 100 percent for deposit advance. However, this fee …

's cost situation plays a role: if the bank's costs are high, its deposit rates are low. By transferring concepts from …

deposit rates. Furthermore, I examine whether banks adjusted their fee and commission strategy during the NIRP period and if … they do what characterises those banks. My results show that banks adjusted their strategy in deposit business with … household deposit holdings. …