... Members of Congress, consumer groups, and others have raised a variety of concerns about these fees—for example, whether depository institutions have increased fees as a source of revenues and ... returns of deposited items, and stop payment orders have generally risen since 2000, while others—for example, monthly account maintenance fees have generally declined. For example, the average ... insufficient funds or overdrafts. Additionally, many depository institutions have automated overdraft protection programs that have been increasingly marketed to customers. However, we were not able...