Checking Plus used to be great and made banking pain fee - if one went over the limit the 18% while very high wouldnt be imposed for long as one would move money in to cover or in expectation of say a salary payment. However NOW if lets say your salary comes in on a Saturday, a non business day, you could get charged a slew of $10 fees. The net effect is that the real interest rate is not 18% - but for as an example a $100 overdraft for 2 days: 1800%.