This week the taxpayer controlled bank RBS-NatWest broke ranks with the rest of the industry when it announced a dramatic reduction in its overdraft charges.
From next month, RBS and NatWest will reduce the fee for a bounced cheque from £38 to £5.
It may be no coincidence that an important ruling is due later this year in an ongoing battle between UK banks and the Office of Fair Trading (OFT).
Paul Lewis spoke to David Black, a banking specialist at research consultancy, Defaqto.
This item was first broadcast on Radio 4's Money Box on Saturday, 12 September 2009.
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