this post was submitted on 17 Jan 2024
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[โ€“] [email protected] 18 points 10 months ago (1 children)

Presumably "actual cost" means the literal mechanical requirements for the system e.g. the electricity and server power to detect the overdraft and send the credit

Which is like a fraction of cent at most.

[โ€“] [email protected] 14 points 10 months ago

Yeah I was being generous with a couple of cents, especially since even without overdraft they would have the mechanism for detecting an account not having enough to cover a transaction.