U.S. Public charges banks $3.1 Trillion Non-Sufficient Funds Overdraft Fee

Dear Sirs,

I’m afraid I am going to have to levy an N.S.F. fee for your failure to cover your withdrawals. This will put your account into the negative beyond your transactional buffer, for which you will incurr another fine.  At this point your account will be frozen until you make contact with an account representative, who will assist you, for a fee, to unlock your account.  If you would like a paper statement of your account transactions, that will be another $10.

p.s. I’m keeping the pen from the drive-thru.

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