Last month, three big national banks announced changes to their overdraft protection policies, saying they would end fees on accounts that are short by $5 and $10 and put a cap on the number of overdraft charges.

Overdraft protection policies are designed to help cover checks that would otherwise bounce. Bank officials say they offer the programs in order to protect consumers from unpaid bills and to help avoid the embarrassment of a check being returned for insufficient funds. But consumers have often complained about what they call excessive fees.

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