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This increased demand for liquid assets has occurred at a time when the low yields on these assets make them less desirable.
From a supply and demand standpoint, yields in liquid assets have declined due to greater demand and limited supply, while yields in less liquid parts of the market have increased due to lower demand.
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Nevertheless, if such lenders elect to initiate payment transfers from consumers' accounts when—as the lenders know or should know—the accounts lack sufficient funds to cover the amount of the payment transfers, they could assess the consumers substantial fees permitted under the asset account agreement (including NSF and overdraft fees) as well as any late fees or similar penalty fees permitted under the loan agreement for the covered loan.