$118,000 in overdraft charges later, restaurant owner learns lesson

At $32 a pop, the overdraft fees at the Heartland Cafe in Chicago kept adding up. During the past 18 months -- the tally had reached $118,000, or about 3,600 separate charges. That's about 200 overdraft charges per month.

Co-owner Michael James says he finally realized about six months ago that the charges were adding up, and now the famous Chicago restaurant is trying to raise $150,000 through fundraisers, donations and selling lifetime memberships in exchange for discounts, in an effort to keep from going out of business.