If you have a checking account, you may have what is called overdraft protection. That means that if you write a check for more money than you have in your account, the bank lends you the additional money you need to cover the excess. If you have 10 dollars in your account and you write a check for 25 dollars, you have an overdraft of 15 dollars. The bank lends you 15 dollars to cover the amount that you do not have. The bank has a fee for lending you that money. That charge is called an overdraft fee. It is good. Your are not bouncing checks. You are not going to jail for bouncing checks. Still, you used the word fees which is plural. If you are writing a number of checks and are constantly getting hit with overdraft fees, you might find a different way of paying for things.