Talk:Overdraft

message: This article seems to be entirely about the author's objections to charges  unauthorised overdrafts, rather than a neutral general article about overdrafts (authorised and unauthorised). I suggest that the article be rewritten. The same author had spammed various other banking-related articles, encouraging people to sign his petition. NFH 14:50, 13 January 2006 (UTC)
thread_title: Not Neutral Point of View

message: I'm from Britain and am currently looking at the costs of being a university student. I came here to look for information on overdrafts with regards to student bank accounts.
If someone editting this article would be able to include information on this, I and many others would be very grateful.
Thank you.
As wikipedia has also stated, overdraft can also be used when talking about aquifers:
"Overdraft is when a water is removed from the aquifer at a faster rate than can be naturally replaced by rain or snow. The lowering of the water table causes problems such as land subsidence, surface cracking, sinkholes on the surface, damage to the aquifer's water producing character due to compaction, and in coastal areas, salt water intrusion. Salt water intrusion occurs when the water table is low and the ground water lacks sufficient water pressure to prevent the ocean from backing up into the ground water."
: Since that's about an unrelated concept, it should be covered in a different article, like Overdraft (aquifer). — Omegatron 16:41, 13 November 2006 (UTC)
thread_title:  International Viewpoints 

message: again this page has been edited to further an interest-group's point of view. the previous text was 100% correct, wholly neutral and contained no imflammatory language. suggest this page be locked to prevent pointless amendments.
Amending an article because it contains "weasel words" is not a valid reason for changing something; if the author wants to write rhetorical and reasonless words, suggest they become a journalist. Wikipedia is an encyclopaedia, not a mount piece for interest-groups.
-Nick95 09:49, 12 December 2006 (UTC)
replies: text: I would disagree partially on that.  I honestly think it depends on how bad the Weasel Words are.  Weasel words are strongly discouraged by Wikipedia standards.  However, sometimes there is no other way to express something while maintaining NPOV. In my experience Weasel Words should be removed along with other grammar issues and/or NPOV corrections.  (AKA Cleanup Edits.)  Still, I really don't see making an large scale edit to remove them unless the particular set of Weasel Words are used in a manner that is intentionally misleading, or attempting to hide an underlying point of view. --Robert Wm "Ruedii" (talk) 12:49, 4 April 2013 (UTC)
thread_title:  re-updated version 

message: What's the consensus on the current state of the article in terms of neutrality.  I think we've struck a good factual stance on the causes of overdrafts and the remedies thereto, but I wouldn't want to remove the neutrality tag without confirmation.  What do you all think?  Stile4aly (talk) 17:22, 7 August 2008 (UTC)
thread_title: Current state re:neutrality

message: ===Possible references===
If someone wants to put in good references, there are several papers by the Consumer Federation of America:
http://www.consumerfed.org/
Search for "courtesy overdraft"
===Merge proposal===
This page's content is subsantially similar to overdraft.  I think we ought to merge the two.  Comments?  Stile4aly (talk) 21:19, 7 July 2008 (UTC)
replies: text: I say merge them. Magog the Ogre (talk) 00:11, 16 August 2009 (UTC)
thread_title: Text Dump from Overdraft fee

message: This page's content is subsantially similar to overdraft.  I think we ought to merge the two.  Comments?  Stile4aly (talk) 21:19, 7 July 2008 (UTC)
replies: text: I say merge them. Magog the Ogre (talk) 00:11, 16 August 2009 (UTC)
thread_title: Merge proposal

message: A few years back there were changes on US laws concerning overdraft laws on debit and ATM cards.  Specifically, debit and ATM transactions are required to be denied, unless the customer has requested overdraft protection, in which case it will be subject to overdraft protection fees and interest.  This law also disallowed certain questionable practices being used to artificially increase the number of overdraft fees, such as out-of-order transactions.  I'd look up the law right now, but I'm afraid I don't have the time at this moment, and I'm not sure if I can remember to get back to it. --Robert Wm "Ruedii" (talk) 12:36, 4 April 2013 (UTC)
thread_title:  Changes in US overdraft on Debit/ATM 

message: I have removed the below section as it is a clear violation of WP:ESSAY and is completely unsourced, as well as not professionally written. Zeus t | u | c 23:54, 18 July 2015 (UTC)
thread_title:  Removed section 

message: Substituted at 02:03, 30 April 2016 (UTC)
thread_title: Assessment comment

message: Hello fellow Wikipedians,
I have just modified  on Overdraft. Please take a moment to review my edit. If you have any questions, or need the bot to ignore the links, or the page altogether, please visit this simple FaQ for additional information. I made the following changes:
*Added archive https://web.archive.org/web/20131105155745/http://www.eccount.com/financial-news/a-short-history-of-overdrafts/ to http://www.eccount.com/financial-news/a-short-history-of-overdrafts/#.UneWvFMqvp0
*Added archive https://web.archive.org/web/20130921062352/http://www.rbs.com:80/about/history-100/serving-our-customers/worlds-first-overdraft-authorisation-1728.html to http://www.rbs.com/about/history-100/serving-our-customers/worlds-first-overdraft-authorisation-1728.html
*Added archive https://web.archive.org/web/20080710083821/http://www.house.gov/apps/list/hearing/financialsvcs_dem/htfeddis071107.pdf to http://www.house.gov/apps/list/hearing/financialsvcs_dem/htfeddis071107.pdf
*Added archive https://web.archive.org/web/20081120144100/http://static.uspirg.org/consumer/archives/2007/07/bounce_protecti.html to http://static.uspirg.org/consumer/archives/2007/07/bounce_protecti.html
*Added archive https://web.archive.org/web/20070928005935/https://www1.bankofamerica.com/efulfillment/documents/05-11-2000ED.20060701.pdf to https://www1.bankofamerica.com/efulfillment/documents/05-11-2000ED.20060701.pdf
When you have finished reviewing my changes, please set the checked parameter below to true or failed to let others know (documentation at ).
Cheers.—InternetArchiveBot (Report bug) 09:04, 1 December 2016 (UTC)
thread_title:  External links modified 

message: The subtitle of this article is "Payments from a bank account exceeding the balance" and is followed by a disambiguation redirect: "This article is about the financial concept. For the term as it used in hydrology, see Overdrafting."
Yet this article ends with a section titled "For Groundwater Resources" that begins: "The term "overdraft" is also commonly in use in the hydrological sciences…" and advises the user to (see also Overdrafting). The use of "see also" implies that the hydrological information in this article is non-overlapping with the referred article—in fact, it has references that are not included in the other article's list of references—but Wikipedia users would likely miss this information because of this article's subtitle and redirect.
"Overdrafting" seems to be a conjugation of the verb "to overdraft" which is undefined in the American or British english dictionaries I use. Nevertheless, the "Overdrafting" article's subtitle is "Unsustainable extraction of groundwater" and is followed by a disambiguation redirect: "This article is about groundwater extraction. For financial uses of the term, see Overdraft."
It seems that the disambiguation (or lack thereof) in Wikipedia is based on the noun (Overdraft: finance) versus verb (Overdrafting: hydrology) form of the concept. I'm not an expert in either domain, but commonsense leads me to doubt that in reality such grammatical delineation actually disambiguates between usage in each domain.
Therefore, I recommend:
1. Moving the hydrology section to the "Overdrafting" article.
2. Revising the "Overdrafting" article's title to "Overdraft (hydrology)."
3. Revising the title of this article from "Overdraft" to "Overdraft (financial)."
4. Fixing the disambiguation redirects per the new article titles.
The above is suggested to avoid orphaned text and to provide better disambiguation; you may have more appropriate recommendations. Thanks. Pete.pereira (talk) 18:12, 14 May 2023 (UTC)
thread_title:  Unrelated text included; poor disambiguation