Some of that is my money...

Banking news: Banks Rake In $39 Billion On Overdraft Fees.

Banks had to find some way to offset the tens of billions they lost on their idiotic mortgage bets, and the taxpayer bailouts weren't quite cutting it. So they raised their overdraft fees.
US banks stand to collect a record $38.5bn in fees for customer overdrafts this year, with the bulk of the revenue coming from the most financially stretched consumers amid the deepest recession since the 1930s, according to research. The fees are nearly double those reported in 2000...
The most cash-strapped customers are the hardest hit by such fees, with 90 per cent of overdraft revenues coming from 10 per cent of the 130m checking accounts in the US
That works out to $126.61 per year for every man, woman, and child in the country.