3 Ways to Avoid Overdraft Fees

If you've ever bounced a check, read this.

In the galaxy of annoying fees, overdraft charges are among the most irritating-and hardest to avoid. A study by the Federal Deposit Insurance Corp. found that three-fourths of banks automatically enrolled customers in overdraft programs and then charged as much as $38 each time they goofed. All told, overdraft fees provided $37 billion in revenue to banks in 2008, according to economic-research firm Moebs Services.

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Senior Reporter, Kiplinger's Personal Finance