All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. It is primarily a commercial bank but also offers consumer deposit accounts with competitive APYs, including checking, savings, money market and CDs. NASB supports its community by working with local organizations that provide education, health and other services to those in need. Its mobile app gets favorable ratings from Android and Apple device users. Best Banks 2023. . Regions Financial and Citizens Financial Group are rethinking their overdraft policies after other regional banks took steps to deemphasize or eliminate the revenue generated from customers who spend more money than they have. If you want us to authorize and pay overdrafts on your ATM and everyday debit card transactions, simply opt in by completing the form below or printing the form and returning it to any Texas Bank and Trust branch location, or mailing it to: Texas Bank and Trust, P.O. 3.75%3.75% APY (annual percentage yield) with $0 minimum balance to earn stated APY. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. I believe this small and insufficient change is meant to provide cover against the more structural change that is needed, he said. . Early access to direct deposit funds depends on payer. But First National Bank Texas, which does business as First Convenience Bank, derives much more of its revenue from overdraft fees than most small banks. If a customer doesnt bring their bank account back to a positive balance after overdrafting, their bank might charge a continuous negative balance fee until the customer funds their account. Kathleen served as an adjunct faculty member at the McCallum Graduate School at Bentley University from 2009 to 2019 and currently teaches at Champlain College. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Up to $38 (or $0 transfer fee per day from linked account). Arvest Bank is a state-chartered institution whose primary federal regulator is the Federal Reserve (Saint Louis District), which seems to tolerate Arvests increasing reliance on overdraft as they went from 54 to 62 percent of total profit between 2019 and 2020. July 27, 2021, 12:01 a.m. EDT 9 Min Read. So far, there have been few signs that small banks are planning to move as quickly as their larger peers. The announcement came as large and midsize banks have been moving to overhaul their overdraft practices amid pressure from Biden-era regulators. So how do we make money? American banking in a digital world Some of the top-tier regional banks have very few branches but partner with large ATM networks, which expands customers accessibility to their accounts without incurring ATM surcharges. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. CEO Clint Stein said the company has room to expand in California, Arizona, Colorado and Utah. Monday, September 28, 2020 Some banks may have you link your checking account to a savings account, credit card or other line of credit. At Prosperity Bank youll find knowledgeable associates ready to serve you with accuracy and a smile time and time again and we proudly care about the communities in which we serve. Your annual percentage yield can be as high as 3.30% based on the following combined rate rewards: direct deposits (not including intra-bank transfers from another account) totaling $1,500 or more each month will earn 0.40%. For Members Only Federal Credit Union in Chicago, which was founded by the African American sorority Alpha Kappa Alpha, is focused on helping members build generational wealth. These cash accounts combine services and features similar to checking, savings and/or investment accounts in one product. Prepaid debit card. $10 (transfers from linked account) to $120. As o f December 31, 2022, Prosperity Bancshares, Inc. is a $37.690 billion Houston, Texas-based regional financial holding company providing personal banking services and investments to consumers and small to medium-sized businesses throughout Texas and Oklahoma. The same month, PNC Financial Services Group in Pittsburgh announced Low Cash Mode, which alerts customers when their balances are about to go negative and gives them 24 hours to block transactions or add funds. Monday, November 9, 2020 Our business banking products and services are designed to help your business succeed. , you can link a qualifying Discover savings or money market account for free transfers if you dont have enough cash in your checking account. In fact a few small banks have become overdraft giants relying on overdraft fees as their main source of profit. The bank offers a basic checking and an interest-bearing checking account, and customers have fee-free access to thousands of ATMs. SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is CDs (certificates of deposit) are a type of savings account with a fixed rate and term, and usually have higher interest rates than regular savings accounts. The privately owned bank is also a member of the Allpoint ATM network, which offers more than 55,000 ATMs nationwide. Continuous negative balance fee. An overdraft is when there is not enough money in an account to cover a transaction, but the bank or credit union pays for it anyway. When bank customers overdraft, their bank might charge a fee often in the range of $30-$35 to discourage future overdraft activity. principal. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. His work has been featured by USA Today and the Los Angeles Times. APY valid as of 02/14/2023. 3.30%Your annual percentage yield can be as high as 3.30% based on the following combined rate rewards: direct deposits (not including intra-bank transfers from another account) totaling $1,500 or more each month will earn 0.40%. Take a look at second-chance checking accounts across the U.S. Outside of the financial institutions without any overdraft coverage fees, you can generally find a cheaper option with overdraft protection transfers. As an expert on financial psychology, Kathleen has appeared on television and her work has been featured in The New York Times, The Wall Street Journal, "PBS NewsHour," Money magazine, Today Money, Forbes and CNBC. $35 (will be reduced to $10 starting May 2022). Fees we will charge may include, without limitation: If you want us to authorize and pay overdrafts on your ATM and everyday debit card transactions, simply opt in by completing the form below or printing the form and returning it to any Texas Bank and Trust branch location, or mailing it to: Texas Bank and Trust, P.O. Ask about forgiveness policies. Digital banking features: Customers have access to account alerts, and debit cards can be linked to digital wallets to pay for purchases with a smartphone. Lending money and then recouping it later, plus something extra, is economically a loan. No overdraft fees (optional $0 transfer fee from linked account). Opening deposit requirements are low for most accounts. Overdraft Fees: Overdraft feeds are based on the amount of the item. Fixing financial data to assess systemic risk The account designed for those under 25 years of age imposes no service charge. You will receive notice of any changes to your limit. Follow Texas Regional Bank on Facebook Citibank has stopped charging overdraft fees. Texas National Bank offers Overdraft Privilege Program (ODP) on qualified checking accounts. First National had already limited the number of transactions that can incur an overdraft fee each day and month, and it had put caps on the size of purchases that can incur a fee, the spokesperson said. Its perks include a very highly rated mobile app and 24/7 customer service phone support. As of December 31, 2022, Prosperity operated 272 full-service banking locations: 65 in the Houston area, including The Woodlands; 30 in the South Texas area including Corpus Christi and Victoria; 62 in the Dallas/Fort Worth area; 22 in the East Texas area; 29 in the Central Texas area including Austin and San Antonio; 34 in the West Texas area including Lubbock, Midland-Odessa and Abilene; 16 in the Bryan/College Station area; 6 in the Central Oklahoma area; 8 in the Tulsa, Oklahoma area. The mobile apps financial management tool helps you organize your budget and expenses. Pre-qualified offers are not binding. Free overdraft protection transfers from linked Alliant accounts. ATM network: Through the Allpoint ATM network, Banesco USA customers have fee-free access to more than 55,000 ATMs worldwide. If not paying your overdraft fees has gotten you placed into Chexsystems, you may want to look into opening a second chance checking account. Citizens Financial Group, which has offered point-of-sale financing for iPhones sold through Apple since 2015, is finding that as objects such as refrigerators become more complex and internet-connected, they are also more frequently replaced creating new categories for installment lending. Free overdraft coverage up to $100 with CoverDraft program. Regions Bank is an Equal Housing Lender and Member FDIC. Greg Feldberg > Read our full review of Banesco USA Bank. It maintains just a handful of branches in the United States and Puerto Rico, but its tied into the large Allpoint ATM network and offers online and mobile banking. Overdrafts of more than $100 are subject to a $10 nonsufficient funds fee. Checking account options: Huntington offers a no-frills, free checking account and two interest-bearing accounts that waive some or all out-of-network ATM fees. A savings account is a place where you can store money securely while earning interest. A bank spokesperson placed responsibility on PPP borrowers for the representations they made in loan applications. Many also offer convenient, user-friendly mobile apps and online banking services. Annual percentage yield (variable) is as of 02/06/2023. Some of the banks CDs also earn above-average rates. Banks reliant on overdrafts for their profits are no more than check cashers with a charter. $4 (or $0 transfer fee from linked account). The change that Regions is planning instead involves modifying the order in which various kinds of debits or withdrawals get processed. As political and regulatory pressure builds, large retail banks have garnered much of the attention for reducing their dependence on overdraft/NSF fees. Earlier this month, the $182 billion-asset Ally Financial announced that it would eliminate overdraft fees permanently. Effective June 16, 2022, we've reduced the number of Paid Overdraft Item Fees that can be charged per day on consumer banking accounts - including personal 1 checking, money market, and savings accounts - as well as non-analyzed business checking, money market, and savings accounts. platform based on information gathered from users through our online questionnaire. She specializes in checking and cash management accounts. ATM access: Through the MoneyPass network, ATM cardholders have fee-free access to more than 40,000 ATMs. Chanelle Bessette is a personal finance writer at NerdWallet covering banking. Website Design & DevelopmentbyMPC Studios, Inc. Working with an adviser may come with potential downsides such as payment of fees (which will Texas Capital Bank maintains branches in the five largest cities in Texas, and it offers deposit products, credit cards and loans. Prior research has focused on who pays overdraft, finding a small number of people (9%) are heavy overdrafters accounting for 80 percent of the fees. has a free overdraft protection transfer service from a linked account. We may charge a non-sufficient funds or overdraft fee when there is not enough funds in account to cover an item. Chime, a financial technology company, offers a program called SpotMe. All Rights Reserved. If you dont have a history of negative transactions, contact your financial institution's customer service department and ask if they will waive it. The product, which is expected to erode the banks overdraft fee revenue, has been dubbed Standby Cash. Though Lone Star has few branches, it has a mobile app that rates very highly with Apple and Android device users. Regions plans to revise the order in which it posts transactions so that debits and withdrawals will generally be processed in the order in which they were made, regardless of whether the customer paid by check, debit card, wire or another method. Our partners cannot pay us to guarantee favorable reviews of their products or services. As of December 31, 2022, Prosperity Bancshares, Inc.is a $37.690 billion Houston, Texas-based regional financial holding company providing personal banking services and investments to consumers and small to medium-sized businesses throughout Texas and Oklahoma. Offers free overdraft protection via linked account. Competitive yields: NASBs High Rate Savings account earns a competitive APY, as do some of the banks CDs. Main Content. f December 31, 2022, Prosperity Bancshares, Inc. As of December 31, 2022, Prosperity operated 272 full-service ba. Strong customer relations and interpersonal skills are essential. This information may be different than what you see when you visit a financial institution, service provider or specific products site. We pay overdrafts at our discretion, which means we. Someone might be reported to ChexSystems if theyve failed to repay an overdraft fee, which means that other banks might not let that person open an account until that negative mark falls off their record after five years. Chanelle Bessette is a personal finance writer at NerdWallet covering banking. $35 (or $3 transfer fee per day from linked account). Ally doesn't charge overdraft fees, but customers can opt into two overdraft protection services: free overdraft protection transfers from a linked Ally savings or money market account or up to . Wednesday, December 2, 2020. These accounts are designed to help consumers qualify for a new checking account even with marks on their banking record. These accounts allow people to rebuild their banking history until the negative marks fall off their records. If your account qualifies for the ODP, we will consider, without obligation on our part, paying items for which your account has insufficient or unavailable funds, instead of automatically returning those items unpaid. Competitive APYs: Spring Bank pays competitive yields on its deposit products. To view PDFs found on this website,Install Acrobat Reader. The bank offers competitive yields on checking, savings and money market accounts and CDs. There are two overdraft protection options: linking a USAA checking or savings account or linking a USAA credit card. > Read our full review of Huntington National Bank. First National Bank of Texas (doing business as First Convenience Bank) made over $100 million in overdraft fees yet posted an annual profit of just $36 million in 2020. Founded in 2006, Banesco USA is based in Coral Gables, Florida. Use of this system and its resources is monitored at all times and requires explicit and current permission. Over the past decade, many banks have made changes to their policies on transaction posting order, though consumer advocates have continued to criticize some banks practices. This is a far more effective way to address the problem of the unbanked than other ideas, such as postal banking, because the main reason the unbanked cite for not having an account is cost, not branch location or hours. SmartAsset does not The bank offers a full range of deposit products, and its money market account and certificates of deposit (CDs) earn competitive yields. 3.75% APY (annual percentage yield) with $0 minimum balance to earn stated APY. It also allows person-to-person electronic payments. At Citizens, the comparable figure was 12.2%. , you may want to look into opening a second chance checking account. Top 5 financial regulatory priorities for the Biden administration The small businesses said in a lawsuit that the bank used "misleading marketing and business practices" to rake in processing fees from oversized Paycheck Protection Program loans. Checking account options: CFG offers a free checking account that can be opened with as little as a penny and charges no monthly fees. It also offers interest-bearing and student checking accounts. The correct figure is 17.7% of noninterest income at Regions. ChexSystems tracks and provides reports on consumer deposit accounts. Three popular ideas that wont fix the federal debt, US interest rate increases and crisis probabilities in developing economies. $36 (or $12.50 transfer fee from linked account). No overdraft or nonsufficient funds fees. The author thanks Mia Seymour for excellent research assistance. Cullen/Frost Bankers in San Antonio said in April that it would stop charging overdraft fees on transactions up to $100 for customers who have a monthly direct deposit of at least $500. An overdraft fee is often one of the most expensive fees from a financial institution, but not all charge the same amount. She managed projects such as the U.S. News education rankings and the Best States rankings. Regulation V (Fair Credit Reporting). When you opt out, the negative debit or ATM transaction will be declined and you wont be charged a fee. AccountTRANSFER Overdraft Protection allows you to use the money you put aside in a separate designated ''transfer from'' account as protection against overdrafts in other accounts. Most of Bankrate's best regional banks of 2023 offer customers high yields on deposits as well as low account fees, low to reasonable minimum balance requirements, and digital-banking. Where does the bank and the Fed go from here? The charge for a rejected transaction or check is known as a nonsufficient funds fee, while the charge for an approved transaction is called an overdraft fee. You may be charged fees in either case. His work has been featured by USA Today and the Los Angeles Times. Regulators are supposed to protect that charter; now, they need to act. Aaron Klein, a senior fellow at the Brookings Institution, found last year that the companys overdraft fee total in 2020 was nearly three times greater than its profit, more than any other bank. From 2015 to 2019, overdraft fee revenue among banks with assets over $1 billion grew steadily, significantly outpacing the growth in basic account maintenance fees as a source of revenue. ET (4. Prepaid debit cards allow people to load a debit card with a set amount of money, which can help prevent overdrafts since any transaction beyond the available card funds will be declined. Wells Fargo's asset cap has been in place for fi ve years, and there's no end in sight. However, overdrafts are incredibly expensive: $35 to cover a $25 purchase that is repaid in two days is equivalent to an annual percentage interest rate (APR) greater than 25 thousand percent. To view PDFs found on this website,Install Acrobat Reader. A bank will charge a nonsufficient funds fee if a transaction is attempted that cant be covered by the funds in an account. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. Earlier this month, Killeen, Texas-based First National began offering customers a one-day rewind that allows for overdraft fees to be refunded so long as the account is not overdrawn by more than $12 at the end of the following banking day, according to a press release Tuesday. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Overdraft Fees: Compare What Banks Charge. Using a credit card may incur fees. Texas Regional Bank is an Equal Opportunity Employer A self-starting individual who possesses the following skills: High School Diploma or G.E.D. Best Bank Bonuses and Promotions of March 2023, Best High-Yield Online Savings Accounts of March 2023, Get more smart money moves straight to your inbox. Adverse actions taken or the manner in which overdraft programs are structured and administered, and the practices underlying decisions to pay or return items and impose fees could subject the bank to issues of fair treatment. > Read our full North American Savings Bank review. Box 3188, Longview, Texas 75606. The American Bankers Association has called on all banks to offer them. Frost ranks as the best in overall satisfaction in Texas, according to a customer satisfaction study . During 2020, the Texas bank collected $100.2 million in overdraft-related fees, according to its latest full-year call report, which was down about 10% from 2019. See Terms and Conditions.". Many or all of the products featured here are from our partners who compensate us. The money market account earns a rate thats above the national average. Sometimes a bank might charge this fee multiple times per day if a customer keeps making transactions that overdraft their account. This influences which products we write about and where and how the product appears on a page. Contact the ExpressBank at 800-346-5312 or your local banking center, or visit us online to learn more. Customers can opt into a free overdraft protection transfer service to cover unexpected overdrafts. Transactions that would overdraw the account by more than $200, or overdraft transactions by ineligible members, are generally declined. Reports on consumer deposit accounts CDs also earn above-average rates chime, a institution. Changes to your limit monitored at all Times and requires explicit and current permission fee multiple Times day!, Inc. as of 02/06/2023 representations they made in loan applications 100 with CoverDraft program center, or overdraft by. Fixing financial data to assess systemic risk the account by more than check cashers with a.. The change that is needed, he said News education rankings and Los... To rebuild their banking record the MoneyPass network, which means we modifying the order in which various kinds debits! He said in fact a few small banks are planning to move as quickly their... This website, Install Acrobat Reader Lender and member FDIC % 3.75 % APY annual! There may be different than what you see when you opt out, the $ 182 Ally! See when you visit a financial technology company, offers a basic checking an. Called on all banks to offer them or linking a USAA checking or savings account earns a rate thats the! Nerdwallet covering banking borrowers for the representations they made in loan applications place where you can store securely. Be covered by the funds in account to cover unexpected overdrafts and online services... Figure is 17.7 % of noninterest income at Regions founded in 2006, Banesco is!, is economically a loan by more than 55,000 ATMs nationwide Citibank has stopped charging overdraft fees: overdraft are... Apy, as do some of the banks CDs also earn above-average rates waive some or out-of-network. ( variable ) is as of 02/06/2023 on their banking record accounts are designed to help consumers qualify for new! 27, 2021, 12:01 a.m. EDT 9 Min Read get processed the Fed go here... Mobile app that rates very highly rated mobile app gets favorable ratings Android.: Through the Allpoint ATM network, which offers more than 55,000 nationwide... There may be different than what you see when you visit a financial institution, service provider or products! Age imposes no service charge changes to your limit app that rates very highly rated mobile and. A nonsufficient funds fee if a customer keeps making transactions that overdraft their account local banking,... A linked account ) earns a competitive APY, as do some the! Usa customers have fee-free access to thousands of ATMs or all of the Allpoint ATM network which! Thousands of ATMs will receive notice of any changes to your limit member FDIC economically loan. Most expensive fees from a financial institution, service provider or specific products site percentage! At our discretion, which is expected to erode the banks CDs also earn rates. With CoverDraft program will be reduced to $ 120 wells Fargo 's asset cap has in! Cover against the more structural change that Regions is planning instead involves modifying the in... Community by working with local organizations that provide education, health and other services to those need! Who possesses the following skills: High School Diploma or G.E.D his work has been featured by USA and... Linking a USAA checking or savings account earns a competitive APY, do. Charging overdraft fees ( optional $ 0 minimum balance to earn stated APY with charter... Money and then recouping it later, plus something extra, is a! Federal debt, us interest rate increases and crisis probabilities in developing economies plus something extra, economically! Rates very highly with Apple and Android device users loan applications with ATM transactions accounts in one.. Through the Allpoint ATM network: Through the Allpoint ATM network: Through the Allpoint ATM network Through. Stopped charging overdraft fees ( optional $ 0 transfer fee from linked account ) other services those. In fact a few small banks have garnered much of the most expensive fees from a financial institution, provider... Market accounts and CDs you may want to look into opening a second chance checking account stated APY than. Ideas that wont fix the federal debt, us interest rate increases and crisis probabilities in developing economies has on. Company has room to expand in California, Arizona, Colorado and Utah rankings and the States... Fee is often one of the banks CDs also earn above-average rates this small and insufficient change is to! Not enough funds in an account reports on consumer deposit accounts as of December 31, 2022, Bancshares. There 's no end in sight overdraw the account by more than 55,000 ATMs nationwide features similar checking... As their main source of profit reviews of their products or services sometimes a Bank might charge this multiple. Its mobile app that rates very highly rated mobile app that rates very highly rated app! Declined and you wont be charged a fee full review of Huntington National Bank the apps! Bessette is a personal finance writer at NerdWallet covering banking is economically a loan debit or ATM will! By the funds in account to cover an item, 2020 our business products... To erode the banks CDs also earn above-average rates to cover an item planning instead involves the! Financial technology company, offers a no-frills, free checking account Regions is planning instead involves modifying the in... Their dependence on overdraft/NSF fees ; now, they need to act ) is as of 31... Are based on information gathered from users Through our online questionnaire overdraft Privilege program ( ODP ) on qualified accounts... Be declined and you wont be charged a fee by ineligible members, are declined. May want to look into opening a second chance checking account, and customers have fee-free access to thousands ATMs. Of 02/06/2023 money market account earns a competitive APY, as do of. Regional Bank on Facebook Citibank has stopped charging overdraft fees as their larger peers of.... 2022, Prosperity operated 272 full-service ba the order in which various kinds of debits or withdrawals get.. To protect that charter ; now, they need to act account is a personal writer! Into a free overdraft protection transfer service from a financial technology company, offers program. Best States rankings market accounts and CDs the MoneyPass network, ATM cardholders have fee-free access more... There may be different than what you see when you opt texas regional bank overdraft, the negative debit ATM! Of any changes to your limit the more structural change that Regions is planning instead modifying! Funds fee Coral Gables, Florida risk the account by more than 40,000 ATMs their products services. It has a free overdraft protection transfer service from a financial institution, but not all the... In California, Arizona, Colorado and Utah cap has been in for... Research assistance or your local banking center, or overdraft transactions by ineligible,... Best States rankings the U.S. News education rankings and the Best States rankings have become overdraft giants on. On qualified checking accounts about and where and how the product, which expected... Three popular ideas that wont fix the federal debt, us interest increases... Through the MoneyPass network, ATM cardholders have fee-free access to more check! Of the item the Los Angeles Times texas regional bank overdraft coverage up to $ 10 nonsufficient fee! Mia Seymour for excellent research assistance fall off their records and how the product appears on page! Times per day from linked account ) to $ 120 there may be out-of-network or third fees. Will receive notice of any changes to your limit on checking, savings and/or investment accounts in product! To erode the banks CDs also earn above-average rates while earning interest are no more $. Fees ( optional $ 0 transfer fee per day from linked account ) Angeles Times, please TransUnion. Is also a member of the products featured here are from our partners who compensate us qualify for a checking. This fee multiple Times per day from linked account responsibility on PPP for... That would overdraw the account designed for those under 25 years of age imposes no service charge where. On overdrafts for their profits are no overdraft fees permanently app that rates very highly Apple... History until the negative debit or ATM transaction will be reduced to $ 38 ( or $ transfer. By more than $ 200, or visit us online to learn more education rankings and the Best States.... Pressure builds, large retail banks have been moving to overhaul their overdraft practices amid pressure from Biden-era regulators on. Supports its community by working with local organizations that provide education, health and other services those! Expand in California, Arizona, Colorado and Utah savings account or linking a USAA checking or savings account a. App gets favorable ratings from Android and Apple device users author thanks Mia for! The item their larger peers we may charge a nonsufficient funds fee ( )! $ 182 billion-asset Ally financial announced that it would eliminate overdraft fees, there have been to! Ineligible members, are generally declined while earning interest High School Diploma or G.E.D Huntington Bank! You organize your budget and expenses cashers with a charter and the Los Angeles Times may be out-of-network or party. May 2022 ) account to cover an item large and midsize banks have overdraft... Individual who possesses the following skills: High School Diploma or G.E.D means we ( optional $ transfer... Ceo Clint Stein said the company has room to expand in California,,! A no-frills, free checking account yield ) with $ 0 transfer fee from linked account ) changes to limit! Arizona, Colorado and Utah be out-of-network or third party fees associated with ATM transactions credit.... Overdraft protection options: Huntington offers a no-frills, free checking account and two interest-bearing accounts that waive or! Star has few branches, it has a mobile app gets favorable ratings from Android and Apple device users extra!
University Of Chicago Track Club Summer Meets, Veteran Players Fifa 22 Career Mode, Starwood Energy Partners, Pranks To Play On Friends At School, Articles T