Have you even 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 Banks Bureau of Consumer Financial Protection Settles With TCF National Bank Agency: TCF National Bank tricked customers on overdraft fees The yacht named Overdraft Joe Biden, CFPB target junk fees, hoping to ease economic pressure on low-income families Getting over overdraft Bill Cooper, ex-Minnesota GOP leader and TCF Bank chief, dies Banks that have cut or eliminated overdraft fees Survey: Bank overdraft fees tumble to 13-year low while ATM fees are back on the rise If 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. Episode Transcript available here Also available at art19.com/shows/5-Things