Big news in the world of banks and overdraft fees

Apparently, complaining to your bank might just pay off.

Scratch that. Complaining to Congress about your bank might just pay off.

If you haven't heard, , the term used when a consumer's checking account goes underneath zero dollars. And while it would be nice to think that banks are doing this because they realize it's the right thing to do, there's a lot of speculation that it's because Congress is discussing legislation that would bring the hammer down on bank fees.