Even if you opt out, banks will get their overdraft fees

Last week, The New York Times had an insightful op-ed entitled "The Debit Card Trap." I know what they're saying. There are days I feel like my bank is a hunter, and I'm the witless animal who has just stepped into the snare trap.

The latest possible trend in banking, and I use the word "possible," since I don't yet know if we can call this a trend: banks appear to be changing the way they return checks that bounce.