A key consideration seems to be missing from the discussion of Bank of America's decision to stop authorizing purchases on debit cards that trigger overdraft fees.

I agree that this move will help to strengthen B of A's trust factor with its clients and that this, in the long run, will prove to be a good thing for the bank. But the bank stands to benefit more immediately from this move: customers will have to choose from a smaller set of product options that are all easier to understand than the complex overdraft opt-in option. B of A is demonstrating that it understands what customers really want from banks and delivering on this should drive sales of new fee-based services at the bank.

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