In reply to onlyabill.

Yeah my bad but the example still holds - So you think a per instance $15 fee for backing an overdraft of ANY amount is reasonable ? - Consumer beware of your ilk as your logic is certainly the problem. e.g. Back to back purchases for gas and inside purchase at a convenience store would end up as 2 transactions at $15 per. If these are to be short term loans then put a standard APR on them and graduate the fee based on the purchase amount. You sir are the problem.