来看一些数据：截至 2011 年，仅是“透支费”（Overdraft Fees）一项，美国人就被收取了 380 亿美金。注意：这还不包括 ATM 手续费，或银行账户“维护”费。
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But as more people began to use debit CARDS, the Banks started to view overdraft fees as a major profit center and started to automatically enroll debit card holders into an overdraft program.
但是，随着越来越多的人开始使用借记卡，银行开始将透支费用视为重要利润中心，并开始自动将借记卡持有人纳入透支保护方案。
The Banks, which have grown addicted to overdraft fees, will almost certainly resist new regulation in this area. But there are several things that federal regulators must do to protect the public.
由于沉迷于透支费，银行几乎肯定会在这方面抵制新条例，但是联邦监管机构必须采取几项措施来保护公众。
Barry Himmelstein, an attorney for customers who objected to the deal, said he calculated that the bank actually raked in $4.5 billion through the overdraft fees and was repaying less than 10 percent.
Barry Himmelstein，银行客户的律师代表反对这个处理方式，他计算后认为银行通过透支费用实际收了他们45亿美元而支付金额却不到收取金额的百分之十。
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