Avoid overdraft protection fees

This Associated Press story is getting a lot of pickup: 

Customers making a $20 overdraft on their debit cards can incur an annual percentage rate of 3,520 percent if they repay it in two weeks, assuming a $27 fee, according to the FDIC. That towers over rates found for payday loans, credit cards and other forms of short-term borrowing.

Finally, journalists are starting to get it.

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