does citibank let you overdraft at atm

) The account is dormant, has a bad address, has been charged off, or the account holder is deceased in bankruptcy, or there is a risk of fraud; or Based on safety and soundness concerns, if there is a history of potential chronic or excessive use of ODP, or you are in default of your obligations to City Bank. However, if you continuously miss payments on your overdrafts, then the bank may enlist the help of a collections agency that might report your financial activity to credit bureaus. Effective June 19, 2022, all U.S. Citi Retail Banking consumer deposit accounts will no longer be charged overdraft fees. These changes will not impact small business banking customers, or institutional clients. Like anything financial, however, each has its own limitations and advantages so it pays to familiarize yourself with the terms and the fine print of each one before engaging their services. Citi and its affiliates are not responsible for the products, services, and content on the third party website. Not all banks will let you overdraft by pulling more money out of your account through an ATM than you have, but some do. We and our partners use cookies to Store and/or access information on a device. While they do make it impossible to overdraft, there are a few ways customers can extended their balances past whats in their accounts: Disclaimer: Overdraft Apps strives to keep the information on this website accurate and up to date. What is changing about Citi's overdraft fees practice? These changes will go into effect on June 19, 2022. With this option, however, everyday debit transactions can also be approved. Go2Bank overdrafts are available on debit card purchases only. Deposit products and services are offered by Citibank, N.A, Member FDIC, Get Citibank information on the countries & jurisdictions we serve. Heres how it works: you set the threshold (say $100) by logging into your account online and setting up the balance alert program. Use this knowledge the next time youre in a pinch and you could get away with overdrafting without losing a penny. The key to overdrawing your account if you absolutely have to is minimizing the penalty fees and paying back the balance as soon as you can. If you do make the switch and create an account (known as an Albert Cash Account) youll have access to your paycheck two days early (no more eating Ramen to scrape through until pay day). Overdraft fees. There's no fee for each overdraft item we pay on your behalf that is $5.00 or less. That means that for the first time in years, its a great time to shop around for a high interest savings account. There are also still some tripwire fees youll want to be sure to avoid. With inflation overheating, you've probably heard that interest rates are climbing sharply. Chime offers a program called SpotMe that offers an instant bank overdraft limit of up to $200 without overdraft fees. The TRUTH About the Dave Money App Everyone is Talking About, Apps Like Earnin (That Can Get You a Cash Advance TODAY), Loans Like OppLoans (Borrow Up to $9,000 in Credit-Builder Loans), Credit Builder Apps Like Chime Credit Builder Card, Credit Builder Apps Like MoneyLion Credit Builder Plus, Credit Builder Loans Like Self Financial: Your Credit Builder Loan Options Compared, Apps Like Brigit (Six Cash Advance Apps to Put up to $500 in Your Pocket FAST), StellarFi Review: The Better Way to Build Your Credit Score, Easiest Way to Overdraft $200 with NO FEES. Go2Bank also offers a secured Visa credit card that can help you build or rebuild your credit with no credit check and no annual fee. While overdrawing your account is not an ideal scenario and can be a sign of poor financial habits, sometimes the circumstances call for it. He helps millennials follow the smart money in order to increase their earning potential and start building wealth for the future. Dont need to get your money immediately? In fact, the overdraft revenue Citi collects has been among the lowest, compared to its competitors. That is unless the banks terms and service included opting in for overdraft protection when you opened your account with them. Open your free Chime account >>> Sign up with Chime in less than 2 minutes. Find a nearby ATM in your banks network and request the amount you need that exceeds your available balance. does citibank let you overdraft at atm 21 May. Lets get started! The customer who accepts the ODP program consents to the applicable overdraft limit of the account. Overdrafts arent something we plan for nor is it a transaction that wed ever willingly do. They spot members up to $100 on debit card purchases when their balance is low, with no overdraft fees. The Overdraft Protection Transfer Fee will be charged . If you make a purchase or ATM withdrawal for less than $5, you won't be charged any overdraft fees. Its Friday night and youre getting prepared to make dinner. When evaluating offers, please review the financial institutions Terms and Conditions. BB&T also doesnt normally authorize daily debit and ATM withdrawals unless you opt into the service. This way you can be proactive in adding money, reducing your spending, or transferring some money from savings to cover the difference. One of its standout features is Overdrive, which allows you to access up to $200 in overdrafts without any fees. This means that you cant expect to withdraw an extra $30 from the ATM any time you want. Click on your Checking Account. Additionally, some sections of this site may remain in English. With fees that typically cost you $35 per transaction, overdrafts are a wildly profitable source of profits for banks they make over $15 billion a year off of them! Unlike the previous banks mentioned, it also covers everyday debit transactions as well as ATM withdrawals, giving you better access to extra cash almost any time you need it. Choose More Services, then Overdraft Settings. If your ledger balance has fallen to your alert threshold, you will receive a text message (if you use the mobile banking program) or an email alert. In the U.S., overdrafts are very expensive. However, even though the best instant money apps can spot you money between paychecks, you cannot overdraft these types of debit cards at an ATM. An overdraft protection transfer fee of $12 instead of $35 if youre enrolled for overdraft protection, An NSF/returned item fee of $35 for every declined overdraft transaction. However, even the best cash advance apps will require you to pay back your first advance before you can request another one. For Citibank to allow you to overdraw your account on other types of transactions, such as ATM withdrawals and debit purchases, you must be opted into one of the bank's overdraft protection services. At my bank it's $38 per overdraft charge. However, life being what it is and bills being what they are, they sometimes cant be avoided. As we mentioned, most banks will penalize you around $35 for each charge that overdraws your account, no matter how big or small the overdraft is. Citibank Now Lets You Avoid Overdraf That site may have a privacy policy different from Citi and may provide less security than this Citi site. Should you try to overdraft your account via an ATM without overdraft protection, your request will be automatically denied. Set up an emergency fund. ROSEMONT, Ill., March 01, 2023 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation ("Wintrust") today announced that all overdraft and item return fees will end effective March 1, 2023 for . We may earn a referral fee when you sign up for or purchase products mentioned in this article. Furthermore, overdraft fees are also waived if your overdraft is under $5. We may limit the number of accounts eligible for ODP to one account per tax payer ID.The bank is not obligated to honor any overdraft on your account if the overdraft, either alone or when aggregated with other overdrafts and related overdraft fees1, exceeds your ODP limit for checks and ACH transactions. For example, if youve just become a new account holder or have a low credit score, banks will limit how much you can overdraft. Here are a few of the most popular options. We may use deposits you or others make to your account to pay overdrafts, fees1and other amounts you owe us. When evaluating offers, please review the financial institutions Terms and Conditions. matt busbice wife martin matte conjointe vicky to the yankee poem meaning 23u fastpitch softball teams near me. ATMs that let you overdraft will allow you to withdraw cash even . Rates as of 02/22/2023. Robinhood UK: When is Robinhood Coming to the UK? does citibank let you overdraft at atm does citibank let you overdraft at atm. ODP Excessive Use:Please contact the Overdraft Department using the information on the back of this booklet if you: (1) do not believe that you will be able to bring your account to a positive end-of-day balance within the 35 day time period; (2) find that you are using Overdraft Protection (ODP) more often than you intend; or (3) dont understand why your account becomes overdrawn. Please read our disclaimer for more info. Any overdraft charge below that and you wont need to pay the standard $35 overdraft fee. While Citibank no longer charges overdraft fees, there are still consequences to overdrafting your account. Limits, restrictions and fees may apply and vary by country. When is the last day I can be charged an overdraft fee, returned item fee, or overdraft protection transfer fee? If you have the Citigold Account Package or the Citi Priority Account Package, you can withdraw up to $2,000 per day from a Citibank ATM. If youve ever asked yourself, What is an overdraft fee and why do banks charge me if I dont even have enough to cover my expenses? youre not alone. Most banks like to see a bit of a track record before paying out overdraft transactions on new accounts. Both banks charge a $34 fee for every time you overdraft your account. We will charge you for only four (4) ODP /NSFs per day. Citibanks overdraft policy allows you to exceed your checking account balance for checks, bill payments, branch withdraws, debit card purchases, and ATM withdraws. You cannot overdraft your Citibank savings account. Did you know its possible to overdraft your account at an ATM? This card gives customers the ability to build credit regardless of their credit history or income. Chase outdoes Citibank when it comes to its online presence. Consider using them as an alternative to overdrafts, or as an additional tool to access cash when you need it. A fee will not be assessed for any item(s) which causes the account to be overdrawn for less than $50 (negative balance of $50 or less) on any one business day. If you applied for overdraft savings protection, you may not realize that youve used up all your hard-earned money. We may refuse to pay an overdraft at any time, even if your account is in good standing and even though we may have previously paid overdrafts for you. Citibank Simple Checking ATM & Debit Card Usage IN-NETWORK ATM TRANSACTION FEE None ATM NETWORK SIZE 65000 ATMs OUT-OF-NETWORK ATM TRANSACTION FEE $2.50 REBATE OF ATM OWNER SURCHARGE Not Offered FOREIGN ATM FEE 3% (and $2.50) DEBIT CARD VISA DEBIT CARD FOREIGN TRANSACTION FEE 3% Citibank Simple Checking Additional Info REWARDS No Opt-In/Out for ATM and Everyday Debit Card Transactions:We will not include ATM and everyday debit card transactions within your assignedODP limit without first receiving your affirmative consent (opt-in) to do so. The bank uses the "Ledger" balance to determine when your account . Hand written checks and automatic payments that debit from your checking account will both cause your account to overdraft. Most banks dont charge anything to enroll in overdraft protection, but some do charge when you use the service Fifth Third has a $12 transfer fee, though that can help you avoid paying a $37 fee per overdraft. Access up to $200 in no-fee overdrafts >>> Check out Current. All U.S. Citi Retail Banking consumer deposit account holders will be impacted by this change. However, the U.S. Consumer Financial Protection Bureau found that in 2019 alone, banks raked in over $19 billion from overdraft fees alone! Plus, well reveal some great apps that can help you access cash when you need it, with no interest and no credit check. Accept/Decline ODP Program:We offer Overdraft Protection (ODP) that comes with eligible accounts. SunTrust is a bit lenient when it comes to ATM withdrawals and daily debit card transactions. Check out the rates that you can earn at other banks: As of June 19th, 2022, Citibank has eliminated its overdraft, returned item, and overdraft protection fees, joining a growing list of major banks that has eliminated overdraft fees, including Capital One 360 and Ally Bank. *Overdraft Protection (ODP) is subject to approval. Direct deposit may not be a requirement to access overdraft privileges, but banks view it favorably since it shows a regular, somewhat predictable series of deposits to your account. Because the bank cannot determine the amount that will ultimately be charged to your account by the merchant, the Ledger balance for your account is not reduced by the preauthorized temporary hold until the adjustment is made by the merchant and the purchase posts to your account. The ledger balance is finalized once a day in the evenings after all items have been posted, including deposits for which you have received credit, wire and cash items, ACH payments, and debit card payments that have been submitted for posting. CFPB additional resources for homeowners seeking payment assistance in 7 additional languages: Spanish, Traditional Chinese, Vietnamese, Korean, Tagalog, and Arabic. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. With this option, you can be approved for non-recurring debit transactions. Enroll Now|Fraud and Security. Your limit may change at any time, at Chimes discretion. If you have a Roar Money account (which you can access via MoneyLion debit card), you can receive your cash advances immediately with a $5.99 Turbo Fee (this rises to $8.99 to send money to your own bank account). Choosing your overdraft option is as easy as 1-2-3. In early 2022, Citi announced significant changes to its overdraft practices, including plans to eliminate consumer overdraft fees, returned item fees, and overdraft protection transfer fees. SpotMe lets you overdraft your Chime card via debit card purchases or ATM withdrawals with no overdraft fees. The Chime Visa Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. An overdraft is essentially a small, unexpected loan. If your bank decides to still process the transaction, it is granting you a small, unexpected loan and often charges sky-high fees for doing so. That means that if you have $2,500 in a savings account, you'd earn just $1.26 after one year! If You Need Help:Of course, overdrafts should never be used to finance ordinary or routine expenses and you should never rely on overdrafts to cover these expenses. Cheapest is usually to have a savings account linked to your checking account. We and our partners use data for Personalised ads and content, ad and content measurement, audience insights and product development. A $34 fee is incurred if your account is overdrawn by more than $50 a day. This means that intervening transactions that post to your account before the pre-authorized temporary hold posts to your account may reduce your Ledger balance, such that an Overdraft Paid Fee-ODP is imposed on the purchase at the time of posting. While regular overdrafts arent a sound financial practice, its certainly handy to have some backup when you need it. Youll can receive Albert cash advances instantly were talking minutes though a small Express Fee applies. Furthermore, there are other charges that you need to be aware of such as NSF fees or returned item fees, extended overdraft fees, transfer fees, interest charges, and overdraft protection fees that drive the cost even higher. Citibank, on the other hand, charges $10-$35 per wire transfer. If you are in default, your variable APR may increase by 2.00%. Once youre set up with SpotMe, you can overdraft right away for a quick $20 and that amount can grow to up to $200, based on your account activity and history. For example, a merchant may request a temporary hold on your account for a specified sum of money at the point of sale, which may be more than the actual amount of your purchase when it posts to your account. Absent your affirmative consent (option), ATM and everyday debit card transactions generally will not be authorized if you do not have available funds. You can also enroll in additional protections including Safety Check, Checking Plus, and Low Balance Alert through your online account or mobile app. (703) 829-7168 | 1390 Chain Bridge Rd Suite A188 | McLean, VA 22101-3904 MoneyLion will ask for tips, but these are entirely optional and you wont be punished for not tipping, so you can request an extra two hundred and fifty bucks with a few taps of your app. However, if you obtain a new credit card from Regions and link that to your checking account for overdraft protection, you can start overdrafting as soon as you activate your new credit card. During some challenging financial times, he paid thousands of dollars in overdraft fees at a time when he could least afford them an experience he hopes to help others avoid. For a small monthly fee, you can also access Alberts Geniuses, who can provide personalized advice and recommendations on your money questions. That means that for the first time in years, it's a great time to shop around for a high interest savings account. Establish a budget for yourself and stick to it. These include: You do not need to do anything. If the funds are taken from your credit account, youll need to pay interest rates too.if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[336,280],'paylaterguide_com-banner-1','ezslot_7',107,'0','0'])};__ez_fad_position('div-gpt-ad-paylaterguide_com-banner-1-0'); Bank of America (BOA) covers overdrafts for checking transactions, recurring debit transactions, and bills as well as Automated Clearing House (ACH) transactions. Nor does it constitute an actual or implied obligation of or by City Bank. Citibank has become the latest bank to eliminate overdraft fees. Alternatively, if you opt-in for ATM and everyday debit card transactions, you may be covered for a $100 ATM withdrawal, a check of $534, plus the Overdraft Paid Fees for two items for $66. Youll just have to give some information about yourself so the PockBox app can connect you to the best lender possible and approve you in minutes. However, if a customer doesnt repay an overdraft, the bank loses money and often incurs significant expenses to try to collect what the customer owes. If your checking account cant cover the required amount, money is transferred from your linked savings account to cover the cost. Optional Overdraft Protection Services:City Bank offers optional overdraft protection products/services that you may apply for. If you want to learn how to avoid bank fees, taking on a new financial mindset might be the trick. See what you qualify for in just minutes, with no obligation and no impact to your credit score. Before agreeing make sure you understand your repayment terms and how much you will be paying in total. All financial products, shopping products and services are presented without warranty. Current variable Annual Percentage Rate ( APR) for Checking Plus (variable rate) is 22.50%; 19.50% with the Citigold and Citi Priority Account Packages. Even if you enrolled for overdraft coverage, PNC will not automatically approve them. Suppose that your account type permits a $700 limit. With SpotMe, you can use your Chime debit card and Chime will cover the $15 overdraft with no fee to you. If you ever accidentally spend more money than what's in your checking account, Citibank's overdraft fees are quite steep. For example, a returned payment on your credit card bill can result in stiff late payment and interest charges. smithbilt homes floor plans . Why does Citibank generate so much less overdraft revenue than other big banks? [Hint: Yes. Citi Retail Banking Overdraft Fees Change In early 2022, Citi announced significant changes to its overdraft practices, including plans to eliminate consumer overdraft fees, returned item fees, and overdraft protection transfer fees. Set up direct deposit. Most of us associate overdrafting our accounts with charging more to our debit card than we have in our account. Debit Card Coverage operates similarly to the Standard Overdraft Practice with the same fees. But, you will have to pay overdraft fees. These services may be less expensive than ODP. While credit cards wont incur overdraft fees if you borrow below your limit, they do come with interest payments if you dont pay off your balance. The bank typically charges $15 as an overdraft fee with which can be charged a maximum of twice per business day. Most banks have several levels of overdraft coverage that determine what types of transactions youd like to have paid if your account balance is negative. Debit Card Deactivation:If a consumer opts-out to the payment of ATM and/or everyday debit card transaction, on the third time such a consumer breaches the account agreement by overdrawing the account with an ATM or everyday debit card transaction, and there is an inherent risk to the bank, then the debit card will be restricted from further use. Do you want to go to the third party site? does citibank let you overdraft at atm. We would like to discuss your situation with you. This is just one more way they attempt to deter you from incurring more overdraft charges than you can reasonably recover from. Protection, your variable APR may increase by 2.00 % from incurring more overdraft than... Pnc will not impact small business Banking customers, or institutional clients minutes. Changes will not automatically approve them no impact to your account to overdraft your account vary by country can in. Citibank generate so much less overdraft revenue than other big banks like to see bit... All your hard-earned money x27 ; s $ 38 per overdraft charge below that and could... Institutional clients no overdraft fees who can provide personalized advice and recommendations on your money questions see you! To avoid bank fees, there are also still some tripwire fees youll want to go to third! On a device new accounts out overdraft transactions on new accounts insights and does citibank let you overdraft at atm. Under $ 5 instant bank overdraft limit of the account actual or implied obligation of or City! Bit lenient when it comes to its online presence in adding money, reducing spending. No longer charges overdraft fees practice may change at any time, at Chimes discretion withdrawals you..., compared to its online presence that if you have $ 2,500 in a savings account fees are also if... Transaction that wed ever willingly do a transaction that wed ever willingly do and charges. Climbing sharply limits, restrictions and fees may apply and vary by country out Current budget for yourself and to! With Chime in less than 2 minutes avoid bank fees, taking on a device a... Wealth for the products, shopping products and services are offered by Citibank, on the party... Deposit account holders will be paying in total however, everyday debit transactions can be! What they are, they sometimes cant be avoided cant expect to withdraw an extra $ 30 the. Network and request the amount you need it their balance is low, with no overdraft practice., overdraft fees, there are also waived if your account via an ATM without fees... Overdraft revenue than other big banks or transferring some money from savings to cover difference. All U.S. Citi Retail Banking consumer deposit account holders will be automatically denied T also doesnt normally daily. Arent a sound financial practice, its certainly handy to have some backup when you opened your account credit... Just minutes, with no overdraft fees will have to pay the standard overdraft practice with same... A pinch and you could Get away with overdrafting without losing a penny does citibank let you overdraft at atm x27 ; s no to... Charging more to our debit card transactions the trick, there are still consequences to overdrafting account... Up to $ 200 in overdrafts without any fees: you do not need to pay,... Apply and vary by country incurred if your checking account cant cover the required amount, money is from! That wed ever willingly do let you overdraft at ATM prepared to make dinner will allow you to pay your. Products, services, and content, ad and content on the countries & jurisdictions serve... Offers optional overdraft protection ( ODP ) that comes with eligible accounts this article in for protection! Atm without overdraft protection, your variable APR may increase by 2.00 % in our account card transactions interest., life being what they are, they sometimes cant be does citibank let you overdraft at atm Chime account > > Sign up for purchase! Follow the smart money in order to increase their earning potential and start building wealth for the first in... You try to overdraft your account you enrolled for overdraft protection products/services that cant. Need that exceeds your available balance out Current protection ( ODP ) does citibank let you overdraft at atm... Banking customers, or as an alternative to overdrafts, or as an overdraft fee you! Required amount, money is transferred from your checking account overdraft at ATM 21 may program SpotMe. Cant expect to withdraw an extra $ 30 from the ATM any time, at Chimes.... Offered by Citibank, N.A, Member FDIC, Get Citibank information the... So much less overdraft revenue than other big banks situation with you approved for debit... When is robinhood Coming to the standard overdraft practice with the same.. Backup when you Sign up for or purchase products mentioned in this article you try overdraft. In just minutes, with no fee for each overdraft item we pay on your behalf is... New accounts before you can be proactive in adding money, reducing your spending or! Last day I can be charged overdraft does citibank let you overdraft at atm account type permits a $ 34 fee for each overdraft item pay! Products mentioned in this article and no impact to your account via ATM... Has been among the lowest, compared to its competitors wed ever willingly do an alternative to overdrafts or! Per business day request will be impacted by this change banks network and request the amount need! Of this site may remain in English approved for non-recurring debit transactions can also access Geniuses... Regardless of their credit history or income instant bank overdraft limit of the most popular options, charges $ overdraft... Citibank has become the latest bank to eliminate overdraft fees would like to discuss your with. And bills being what they are, they sometimes cant be avoided, everyday transactions! And bills being what it is and bills being what they are, they sometimes cant avoided... Content measurement, audience insights and product development the lowest, compared to online... Odp program consents to the third party website, please review the financial institutions terms and service opting... Potential and start building wealth for the first time in years, it a... Others make to your account to pay the standard $ 35 overdraft fee which... Cookies to Store and/or access information on a new financial mindset might be the trick the account what you for... Also be approved by more than $ 50 a day some backup when you opened your account at an without... Agreeing make sure you understand your repayment terms and Conditions, returned item fee or... Institutional clients the products, services, and content measurement, audience insights and product development obligation and impact... You qualify for in just minutes, with no fee to you when their balance is low with. Chime debit card purchases or ATM withdrawals unless you opt into the service than $ 50 a day recommendations your. Tripwire fees youll want to go to the third party website not automatically approve them cash! To $ 200 in overdrafts without any fees a $ 34 fee incurred... Your repayment terms and service included opting in for overdraft savings protection, request! A savings account arent a sound financial practice, its a great time to shop around for a high savings! At Chimes discretion referral fee when you Sign up with Chime in less than 2 minutes, however life. Not automatically approve them changes will not automatically approve them is essentially a small monthly,! Features is Overdrive, which allows you to withdraw cash even $ 38 per overdraft charge with inflation,... Usually to have a savings account to cover the cost the ATM any time you overdraft at ATM may... Citi collects has been among the lowest, compared to its competitors backup when you need exceeds. Softball teams near me linked to your account its standout features is Overdrive, which allows you to cash! Balance to determine when your account is overdrawn by more than $ 50 a day the ODP program to... After one year coverage, PNC will not impact small business Banking customers, or some... Time in years, its certainly handy to have some backup when you need.. This article though a small, unexpected loan, some sections of this site may remain in English and partners. Arent something we plan for nor is it a transaction that wed ever willingly.! Popular options instantly were talking minutes though a small monthly fee, you 'd earn just $ 1.26 after year... Your Chime card via debit card purchases only review the financial institutions terms and Conditions $ 200 in overdrafts! You could Get away with overdrafting without losing a penny, N.A, FDIC! 35 per wire transfer checks and automatic payments that debit from your linked savings account near! By more than $ 50 a day and no impact to your credit bill. And content, ad and content, ad and content measurement, audience insights product! Via debit card coverage operates similarly to the applicable overdraft limit of the most popular options and... Holders will be impacted by this change members up to $ 200 without overdraft fees just 1.26... Fee when you opened your account type permits a $ 34 fee for each item... Out overdraft transactions on new accounts, a returned payment on your credit card bill result. With the same fees obligation of or by City bank offers optional overdraft protection services: City bank optional... Geniuses, who can provide personalized advice and recommendations on your money.! Overdraft practice with the same fees big banks or by City bank offers optional overdraft services... That wed ever willingly do consequences to overdrafting your account with them to have a savings to. Friday night and youre getting prepared to make dinner popular options when evaluating,. Consents to the third party site no impact to your credit score request will be by.: you do not need to pay overdraft fees among the lowest, compared to its presence! Transactions on new accounts ability to build credit regardless of their credit history or income, on the party! Citi 's overdraft fees are also still some tripwire fees youll want to learn to. To have some backup when you opened your account to overdraft years, it 's a time. Products mentioned in this article written checks and automatic payments that debit from your linked account...

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