It's no wonder that overdraft fees are a massive problem for consumers, and a goldmine for banks, given that three-quarters of Americans are living paycheck to paycheck. If you believe loan sharks and payday lenders are the scummiest financial services out there, you might want to think again. Banks earn over $30 billion a year on overdraft fees. And they're shameless about it. Multiple reports have uncovered shady tactics, like reordering transactions so more expensive ones post first, forcing your account to overdraw. Until policies or regulations change, the only one who can protect you from the dreaded overdraft fee is you. Personal finance expert Lauren Lyons Cole tells you three ways to deal with transactions when you have insufficient funds in your account. You've got to understand your options.