According to the Wall Street Journal,

Earlier this month, the bank sent notices to customers announcing a slew of pricing changes, scheduled to go into effect June 5, that would have raised the overdraft fee to $39 from $35 per item. On Monday, citing the “increase in unemployment,” the bank said it was suspending that increase and keeping the fee at $35, according to spokesman Jim Pierpoint.

Either way, if a payday loan costs $15-$17 per $100…you can see why consumers use payday loans to avoid overdraft fees.