As an 18-year-old newlywed attending college, Terry Zink racked up hefty overdraft charges on a checking account that seemed to be short of funds more often than not. Now, as an executive vice president at Fifth Third Bancorp, he has a new set of worries about overdraft fees.

"The pressure to regulate fees is so great now, and I think it's only going to increase in the next couple of years," Zink told fellow bankers participating Tuesday in Retail Strategies: Deposit Growth, an American Banker online forum.

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