Banks Will Rake In $1.8 Billion in Overdraft Fees Over Holiday Shopping Spres

People who can get credit are still depending on it - a bad sign.  They're also letting their debit cards get too close to the line.  It's consumer overspend and bad lender practices combined.   Banks charge fees that will cost $24 billion a year, which is $65 million/day.  During the 28 day holiday shopping season, it will add up to $1.8 billion.  Some banks change $34 for a $17 debit card overdraft and they manipulate the order in which debits are subtracted from consumer accounts.  50 million consumers overdraw their checking account at least once a year and more than half got five or more overdraft fees.  Banks are starting to use this as a primary money maker.  The fees have risen 35% between 2006 and 2008, and the average U.S. household spends almost twice as much on overdraft fees as on books.  (That's something that is a little hard to blame the banks for.)  There are two bills in the House which would limit the fees.