This time of year offers up a special sort of chaos for many: lots of celebrating with friends and family, along with lots of spending in a short amount of time. Believe it or not, a well-managedu00a0u003ca href=u0022https://www.jmfa.com/overdraft-program-consulting/u0022u003eoverdraft programu003c/au003eu00a0can help spread holiday joy. Does yours?nnu0026nbsp;nnNearly 75% of Americans say they oftenu00a0u003ca href=u0022https://www.varomoney.com/press_release/varo-new-years-resolutions-survey-americans-hoping-save-money-2018-not-ditching-netflix/u0022u003efail to budget adequately for the holidaysu003c/au003e, and last year the averageu00a0u003ca href=u0022https://www.magnifymoney.com/blog/news/2017-holiday-debt-survey/u0022u003eholiday debt totaled $1,054u003c/au003e. Itu2019s just a fact: it can be difficult to keep up with the many payments made at various locations at this time of year. Your account holders may think theyu2019ve got an expense covered. But if they forgot about a previous purchase they made in the midst of a hectic workweek and festive activities, it could create a not-so-positive experience for them.nnu0026nbsp;nnu003cstrongu003eUndisclosed, Algorithm-Based Overdraftu003c/strongu003ennu0026nbsp;nnAn undisclosed overdraft program can steal joy left and rightu2014potentially making a negative impact in terms of service.nnu0026nbsp;nnu003cstrongu003eBills to pay?u003c/strongu003eu00a0Not knowing their limits, account holders canu2019t rely on a safety net if they need to pay an essential bill before a paycheck clears.nnu0026nbsp;nnu003cstrongu003eUnexpected expenses?u003c/strongu003eu00a0The holidays are filled with unexpected expenses. If an account holder makes an error in budgeting and accidentally overdraws his or her account on a non-essential purchase, they may be frustrated to see additional fees assessed.nnu0026nbsp;nnAnd what if account holders want to know why their limit has changed since the last time they overdrew their account? Theyu2019ll likely be confused and irritated at the explanation if it isn’t definitive or clear.nnu0026nbsp;nnThereu2019s got to be a better way to help your account holders. Offering them the choice of having a transaction coveredu00a0 for a fully disclosed fee provides a service that they can rely on.nnu0026nbsp;nnu003cstrongu003eFully Disclosed Overdraft Service (can really spread joy)u003c/strongu003ennFully disclosed overdraft services can empower account holders with knowledge about the limits and fees for the service should they need help making ends meet or covering unexpected expenses.u00a0Though money may be tight this time of year,u00a0u003cstrongu003eaccount holders who can make informed decisionsu003c/strongu003eu00a0will likely feel less stressed and be able to embrace the joyfulness of the season.nnu003cstrongu003eThose bills that need to be paid or an unexpected purchase?u003c/strongu003eu00a0When account holders know their overdraft limit, realistic and predictable expectations are set early on. They can better weigh the urgency of the situationu00a0against the fee and decide what to do from there.u00a0And instead of being over penalized for making a mistake and getting assessed unexpected fees, they know upfront what will happen if they overdraw their account.nnWith a fully disclosed overdraft service,u00a0u003cstrongu003eaccount holders will appreciate knowing they have optionsu003c/strongu003eu00a0if they choose to use the service as a safety netu2014especially during a time when unexpected expenses may come up.nnu0026nbsp;nnThe clear choice for year-u2018round cheer: a fully disclosed overdraft program.u00a0u003cstrongu003eHow does your overdraft service measure up?u003c/strongu003eu00a0If youu2019re not feeling the joy in your current program,u00a0u003ca href=u0022https://www.jmfa.com/contact-us/u0022u003econtact usu003c/au003eu00a0todayu2014JMFA OVERDRAFT PRIVILEGEu00ae offers a 100% compliant way to strengthen account holder satisfaction.