When does new Bank Checking Account legislation take effect?

I lost considerable money by the bank charging incredible fees to cover very small overdrafts. I was used to when the account had no money, it was just refused. The charges for small amounts were incredible.When does new Bank Checking Account legislation take effect?I can't help you with the legislation question, but it seems from your post there is an underlying problem of your checking account becoming overdrawn. I'd recommend adding an extra $50 to your account and subtracting that from your available funds whenever you look at your balance from that point forward. It'll save you from the nasty fees.