Overdraft Fees, Unclaimed State Money, and How Balance Transfers Really Work

Becoming Financially Confident · Sep 15, 2026 · 58m · transcript

Hosts: Ralph Estep Jr, a licensed public account of over 30 years + Juliet, a first-time entrepreneur

Here's what we got into today:

I broke down the LIHEAP heating assistance program, why renters qualify too, and why applying this week matters since the money goes first come, first served

I explained how to call your bank and opt out of debit and ATM overdraft coverage so you stop paying that $35 fee

I talked through escheat laws and how to check missingmoney.com for cash your state may be holding, including the story of the $3,500 my grandmother recovered after my grandfather passed away…