A report by the Pew Charitable Trusts finds a close relationship between bank overdraft fees and customers closing checking accounts. The report compares the experiences of high frequency overdrafters, who incur more than four debit card overdrafts a year, and those of low-frequency overdrafters, who paid one to three overdraft penalties. High-frequency overdrafters paid an average of $95 in total fees for their last negative balance, nearly twice the $51 low-frequency overdrafters paid. But for both groups, overdraft charges increased the odds account holders would close their accounts and become unbanked; overdraft fees have caused one-quarter of low-frequency and one-third of high frequency overdrafters to close a checking account.