Banks have found debit card overdraft fees a lucrative substitute for the old bounced check fees, which are on the decline. The Center for Responsible Lending says more banks are charging customers record high overdraft fees. This comes after banks changed how they handle overdrafts. They used to just reject the purchase if customers have too little in their accounts to cover. But now they're charging an average of 27 dollars and 40 cents for each overdraft, even if your purchase was two or three dollars. Bank income from debit overdrafts was 53 billion dollars last year, up 58 percent since 2001.