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If you have a bank account, it's probably happened to you: The bank charged you a nonsufficient-funds fee-otherwise known as an NSF fee. Perhaps you mismanaged your account, and you're to blame. Or perhaps you didn't understand what types of fees you could be liable for in the first place. LaToya D. Cheek, who spent many years as the branch manager in the financial services industry, provides an insider's view of how the banking profession seeks to make money. Along the way, she shares tips about how you can keep more money in your pocket instead of giving it to others. Beyond understanding how banks work, she explains how to take charge of your financial future, including how to: communicate with creditors when facing a hardship; negotiate entry into loan modification programs; avoid filing bankruptcy even when times are tough; pay off debt and re-establish good credit.