The bank calls it fees, but can make %300 on the money it used to cover overdraft charges, and it makes that 300% in less than a week. Multiple that by 52 weeks a year and what return on investment is the bank earning? Who pays these usurious and outragious fees? Those least able to stand up and say no, those without the cushion to manage thier money well, those who are the most financially stressed. Of course it is not just the banks but almost all lenders now have late fees, over limit fees, atm fees, annual fees which double or triple the real interest rate on the money they loan. Unless the little people rise up, this new American way of handling money will destroy America as we know it. It already stresses and bankrupts the middle class. Lending needs new laws that provide for reasonable profit without the destruction of the customers. Rise up, write your congressman, your senator, your governor, and stop the debt rape of America. Here are some proposed new laws and rules: 1.) The lender that lends the money and only that lender can legally collect the money lent. 2.) All fees are included in calculating the interest rate, and that interest rate cannot exceed 25% per year. 3.) Lenders have a maximum profit on any loan of two times the loan amount. After that is earned, the loan is considered 100% paid. 4.) Illegal debt collection practices are punishable by jail for both the collector and collections manager. 5.) Bankruptcy laws need to be returned to their old status. Save America, change the lending laws.