Banks are ever more charging their users more and more fees for less and less service, but it's been revealed that one service charge accounts for more than half of banks' profits; overdraft fees. As a "Courtesy", banks now tend to loan people money to pay for overdrafts to their accounts, rather than returning the payment, but that "Courtesy" comes at a steep price — a mafia loan-like price.

I faced the precursor to this problem; my bank giving me phantom service charges to make my cheques bounce, so they could charge exorbitant NSF fees, and then reverse the "erroneous" service charge, so everything seems all nice and legal.

I didn't go so far as to sue the bank, since I resolved the issue that day (and closed out my account), but despite them trying to keep the issue quiet, I made sure to speak very loudly about just how the bank screwed me. I hope they lost a lot of customers that day.