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.

FORBES: Lawmakers Target Unfair Overdraft Charges

To be sure there are bad actors (although very small in numbers), and there are quite a few good-but-not-amazing prepaid products (which still beat out a checking account with overdraft on an average use-case).

FORBES: Bluebird vs Greendot. Prepaid wins.

In July 2010, the Federal Reserve required banks to receive permission from each checking account customer before the bank provided overdraft protection for ATM and debit card transactions.

FORBES: Overdraft Fees Under Scrutiny Once Again