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

FORBES: Become Allergic To Bank Fees

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.

BBC: Payday loans debt quadrupled, advisory service says

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