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One of the main reason why you may need fast emergency cash is if you are in danger of having a check bounce at your bank. Banks now charge nearly $50 for a bounced check. In recent years, they have more than doubled their fees for this oversight. On top of that, the bank will also charge you a per day fee for every day that you are overdrawn. Before you know it, you can find your entire paycheck eaten up by overdraft fees, simply for being a few dollars overdrawn on your bank account. You are better off to get a fast emergency cash loan such as a online cash advance loan, than to risk being overdrawn at the bank. You can put the money into your bank account until you get paid and then pay it back to the lender once you get paid. You do not have to wait for this money and can get it right away.