Huntington Bancshares Incorporated

Mark Richard Rhoades

David Schamer

Lee Lemke

Jeff Kastelic

Bryan James Carson

A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.

System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position

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Columbus, OH, United States of America

Mark Richard Rhoades