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The exception to this is if you are one of the millions of consumers


who will write a check on Thursday, the day before your paycheck is


deposited. You have become accustomed to writing a check and having a


couple days to get the money into the account before the check


reaches your bank. You are using what is called the float principle.


Simply put, the float principle is the amount of time it takes a


check to be deposited, trucked and flown to your bank.


With image exchange Tuukka Rask Bruins Jersey , the float is sunk. Through 2006 the banks and


credit unions can collect an estimated $170 million per month in


bounced check fees on nearly 7 million checks written on accounts


before the money was in the account.


That $170 million translates into 5 cents for every check written in


the nation, or nearly $266,000 per bank, per year. This money will be


taken from consumers in the form of “service fees” Patrice Bergeron Bruins Jersey , turning that $35


check into a $70 check because of the $35 bounced check service fee.


Who is more likely to have insufficient funds in their checking


account – the above average income or the below average income


consumers?


I guess it depends on your definition of below average income. The


ultra-below make less than $10,000 a year and mostly operate without


checking accounts. The ultra-above make more than $250,000 and use


electronic or plastic means of paying for their purchases and


everyday expenses.


That leaves the rest of the nation, approximately 200 David Pastrnak Salute to Service Jersey ,000,000 of us


to provide enough service fees for the banks to average a quarter