does a bank have to notify me in writing 
the financial institution must provide in writing account disclosures that reflect the legal obligation or the contract between the parties and these disclosures must be in a form that consumers can retain the information must be presented clearly and conspicuously so that consumers can understand the account terms 7the bottom lineregulation dd offers consumers protection by requiring banks to provide transparent upfront disclosures that help non institutional consumers compare terms at different banks in order to make the best decisions for themselves about where to open an account 