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Industry analysts claim the overdraft plans, which contain fees as high as $35 per overdraft, are really high-interest loans targeted at working-class customers. Unlike Pay Day loans, which charge only a regulated flat fee for providing direct cash, bank overdraft programs work automatically with checks and debit cards. Customers often don’t even realize they have overdrawn their checking and savings accounts until they are notified by from the bank.

"Some banks are looking at the fact that some consumers barely make it from pay day to pay day and have a very low balance, and instead of offering them a beneficial service, they are charging their customers bounced-check fees to take advantage of the situation," said Jean Ann Fox, director of consumer protection for the Consumer Federation of America.

With the aim of getting these fast payday loans, all you require is a stable job with a reputed company and that you should be earning a monthly income of $1000 or more and you should be paid on a regular basis. With the exception of these, you should as well have a valid and an active checking account. Furthermore, you should be US citizen and your age should be 18 years or more at the time of application. Apart from these, you need to give details regarding your name, address, contact details and checking account details. Subsequent to authentication, the necessary loan amount is directly transferred to your checking account within 24 hours.

In keeping with your needs and requirements, you have the choice to get any amount in the ranging from $100 to $1500 that can be used to deal with immediate expenditures like buying a gift, planning surprise wedding anniversary party for your better half, paying off utility bills, credit card dues and all that.