I work for a bank and to be honest I dislike fees in general, I mean who doesn't. When I first got into banking I asked why do banks charge ATM fees and the only consistent answer I ever received is that ATM fees are administrative fees. For someone from my bank in our back office to communicate with (example) Chase in their ATM department is where the cost comes from. Now from my understanding Chase charges $3.00 to use their ATM and the bank I work for charges $2.50. Where they come up with their figures is beyond my knowledge. When it comes down to over draft fees I fully believe it is your responsibility to manage your own finances. But at the same time when you receive a overdraft fee I feel you shouldn't be continuously charged fees for consecutive days, that you should only be charged the fee and that's that. At my institution if you overdraw your account you are charged $6.50 per day you are overdrawn up to 15 days. Also, if you are currently already overdrawn and you go and swipe your card to buy something we charge you $37.00 for every item you buy per transaction. My institution also implemented last year a $3.00 service fee if you want to receive paper statements in effort to get more people to sign up for E-Statements and to lower cost of the bank spending money on paper. All of our fees are fully disclosed to our customers by federal law and they have a copy of our fee schedule to take with them in hopes to avoid the whole he said, she said scenario. We also charge our customers $10.00 for a cashiers check, $5.00 for a money order and $2.00 for (4)-temporary checks . 9 times out of 10 I will not charge customers because honestly I strongly feel if you are our customer why should you be charged when you already bank with us, seems unfair and greedy in my opinion. I know my customers, I know their criteria. They don't have much money so I try to help out where I can.