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banks are going to make a fortune in boucned check fees, here is why:
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Perhaps, but decent banks offer you a way around that. I bank with Citibank, and automatically get a credit line for about 3x my average balance. I can write checks based on funds that haven't arrived yet, and as long as I make a deposit to cover them within a few days, there's no interest.
Now, the formerly-cool, now-crappy credit union I used to bank with just moved to 5-day holds for any ATM deposit, regardless of amount, balance, or banking history. *They* were definitely looking for NSF fees.
Cheers
-b