Answers about Bank Account Disclosures

A local bank advertised a free checking account. I signed up. Now the bank is charging me for checks and for overdrafts. Isn't this misleading?

Under banking laws and regulations, a national bank cannot advertise a free account if you could be charged a maintenance or activity fee. But your bank can offer a free account and still charge for certain services such as check printing, ATM use, or overdrafts.