Why do banks charge a fee on 'insufficient funds' when they know there is not enough m oney?

Hi Owen, just to give enlightenment over this....

review your signed bank agreeement upon opening, Almost account holders dont mind about it. there is a clear stipulation.... with or without fund, banks just charge on it... in compliance to the house policy... with hopes you woudl have to fund in it, thereby allowing them to collect with your arrearages, yet upon finding out nothing to collect on a set of periods... they also reversed it.

~~~proud to be from where i was i shall return with~~~

http://www.thelandofpromise.com/southcot/0soc-index.html