Many banks offer an overdraft protection program that either draws funds from your savings automatically or links to an overdraft line of credit.

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If the money is paid back promptly on the next pay day, this type of lending can be cheaper than paying an unauthorised overdraft or a credit card charge.

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The reversal means that it and other banks will have to figure out new ways to recover revenue that is being lost from a host of new regulations on debit cards, credit cards and overdraft fees.

WSJ: Debit-Fee Retreat Complete

How about phone calls from credit card companies, overdrawn bank accounts, excessive overdraft charges, that nervous sweaty feeling when you offer your credit card up at the grocery store-Does that shake you up a bit?

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Many consumer advocate groups feel strongly that banks and credit unions charge too much in overdraft fees, and do so in an unfair way.

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Banks have been adding charges in an attempt to make up for billions of dollars in revenue that is expected to vanish as a result of new restrictions on credit cards, debit cards and overdraft policies.

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Congress will get another chance to limit checking account overdraft fees that continue to annoy customers and produce billions of dollars in revenue each year for banks and credit unions.

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The overdraft decision came just months before the Dodd-Frank law halved what financial institutions could charge merchants for accepting credit and debit cards.

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