Hatch:  "Like millions of other Americans, I have had my fair share of run-ins with the dreaded Overdraft Fees that are charged by all of the major national banks.  After avoiding them for years, however, I was slapped with four of them in a two-day period in April of 2006 while caregiving for my grandparents in Moscow, Idaho.  After doing a little research, I decided that this practice is unethical, of questionable  legality and one that many people are undereducated about.  Making a documentary on the subject seemed like a perfect way to spread the word."

Facts that made me mad enough to make a movie:

• Banks make approximately anywhere from $17 to more than $50 billion per year (depending on who you talk to) from Overdraft (or Non Sufficient Fund, NSF) Fees, which represents roughly 30% of their fee revenues.  Almost all of this (80% by one estimate), comes from low-income consumers.  In the case of Washington Mutual, they make about $1 billion from their 10 million checking account customers, which comes to about $100 per customer, per year.  These accounts are advertised as "free checking".
• Though the banks continue to call overdraft charges 'fees', they are in fact loans (which is stated in three different places in documents of the Federal Reserve and the Office of the Comptroller of the Currency), which means that they should be covered under the Truth in Lending Act.  A loophole currently exists which allows them to continue to call advancing credit to consumers 'fees'.
• Banks have been chastised by the US Government for misleading advertising practices, insuffiently informing account holders of the nature of their "Overdraft Protection" programs, and turning an old system of ad-hoc bounced check policies into a major new sourc of revenue.
• The average NSF fee  has more than quintupled in the last twenty years, from around $4 to more than $20.

And many more...you'll have to see the film for the juiciest bits.