1.OverdraftFeesCheckFees

__Overdraft Fees__ What is **overdraft**?? -An **overdraft** occurs when withdrawals from a bank account exceed the available balance which gives the account a negative balance. -If there is a prior agreement with the account provider for an overdraft protection plan, and the amount overdrawn is within this authorised overdraft, then interest is normally charged at the agreed rate. If the balance exceeds the agreed terms, then fees may be charged and higher interest rate might apply.

__Causes of Overdraft__

**Write a check,**
 * Withdraw money from an ATM,**
 * Use your debit card to make a purchase, or**
 * Make an automatic bill payment or other electronic payment**

__Check Fees__
 * Non-sufficient funds" (NSF)** is a term used in the banking industry to indicate that a demand for payment (a check) cannot be honored because insufficient funds are available in the account on which the instrument was drawn. In simplified terms, a check has been presented for clearance, but the amount written on the check exceeds the available balance in the account

__Causes Of Check Fees__


 * Personal lacking of organizational skills**
 * Lack of Communication**
 * Slow clearing of deposits**
 * Temporary Hold**
 * Unexpected electronic withdrawals**
 * Chargeback to merchant**
 * Bank reordering of transactions**
 * Playing the Float**
 * Returned check deposit**
 * Intentional Fraud**
 * Bank Error**
 * Victimization**
 * Account closure**
 * Counterfeit**