UNITED KINGDOM - JANUARY 10:  A bank statement showing an overdraft excess fee arranged for a photograph in Littlebury, U.K. on Thursday, Jan. 10, 2008. Next week, the U.K. Office of Fair Trading will take on seven U.K. banks and one building society in a case that is set to determine the legality of penalty charges levied on unauthorised overdrafts and bounced cheques and direct debits.  (Photo by Graham Barclay/Bloomberg via Getty Images)