Ever bounce a check, or otherwise overdraft your bank account? Doesn't matter why. Unless you're rich, you've probably done it at least once.
Anyway, www.StateCheckFees.com provides a list of all 50 US states and what banks are legally allowed to charge you when you bounce a check.
Okay, there is no good reason for these fees to be this high. Once upon a time, say, in the 1970s, bounced checks had to be handled by human beings. There were labor costs in running people down, or managing the flow of money through accounts, etc., blah, blah.
Today, this is all handled by computers, so the actual "cost" is slightly more than zero. That means these fees are just exploitation of those who don't have the money to protect themselves from being exploited.
Same Shit, Different Day.
The poor and middle class are vulnerable. We don't have a lot of options to change banks. We don't have the slush funds available to protect ourselves against accidentally forgetting a scheduled payment, or a deposit being delayed (or bounced, or not delivered at all).
It's Class Warfare, Bitches.