Bob,

I sympathize with you, however, over draft protection also comes with a price. Many banks have a specific fee, others "protect" with a block of funds (a $2.50 over draft may invoke a $100 block of funds, maybe more). Also, the funds used for the "protection" have to come from some where, often it is charged against a credit card. This then adds a finance charge.

I am not saying that the over draft charges are worse than the NSF charges, only that both have a degree of costs that in this day and age many people do without either.

Unfortunately for some of us, the people that decide to not have coverage (or cannot afford it) make the same bad decision and write bad checks (or have low amount checks bounce). I think there could be a correlation of thought processes.

Maybe these are the same people that continue to write checks until the supply of checks are exhausted, rather than the supply of money!

Jim F.