Have you ever wondered how banks make money? Or why overdraft fees exist? After a listener asked, 5 Things Sunday Host James Brown got answers from USA TODAY Finance reporter Elisabeth Buchwald, Bankrate.com analyst Greg McBride, and economist Aaron Klein from the Brookings Institution.Show notes:Costly Overdraft & NSF Fees Still Charged by Majority of BanksBureau of Consumer Financial Protection Settles With TCF National BankAgency: TCF National Bank tricked customers on overdraft feesThe yacht named Overdraft Joe Biden, CFPB target junk fees, hoping to ease economic pressure on low-income familiesGetting over overdraftBill Cooper, ex-Minnesota GOP leader and TCF Bank chief, diesBanks that have cut or eliminated overdraft feesSurvey: Bank overdraft fees tumble to 13-year low while ATM fees are back on the riseIf you have a comment about the show or a question or topic you'd like us to discuss, send James Brown an email at jabrown@usatoday.com or podcasts@usatoday.com. You can also leave him a voicemail at 585-484-0339. We might have you on the show.Aaron Klein on TwitterElisabeth Buchwald on TwitterGreg McBride on TwitterJames Brown on TwitterEpisode Transcript available hereAlso available at art19.com/shows/5-ThingsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.