Bouncing out of the banking system: An empirical analysis of involuntary bank account closures.

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How Payday Credit Access Affects Overdrafts and Other Outcomes (2012, background): “Certain usage patterns are common as well; as with payday credit, some depositors overdraft repeatedly, and revenues from those “core” depositors constitutes a disproportionate share of overall overdraft revenues (FDIC 2008, Campbell, Martinez-Jerez, and Tufano 2008).”