Understanding Fees

Fee:	Description:	Avg. Cost:
Account Maintenance	Most banks will charge you a monthly service fee for the convenience of keeping your money with them	$5.95 - $15.95
ATM Card Replacement	If your debit card is lost, stolen, or misplaced, some banks will charge you a replacement fee	$5.00 - $20.00
ATM Fees	Some banks charge a fee each time you use an ATM to check your balance, make a withdrawal, etc.	$1.95 - $15.00
Insufficient Funds	Charged each time your bank covers a check or other transaction due to lack of available funds in your account	$30.00 - $75.00
Minimum Daily Balance	If your account has a minimum daily balance requirement, and you happen to fall below that requirement, you may be charged a fee	$5.00 - $35.00
Out-of-Network ATM Withdrawal	Most banks will charge a fee if you use an ATM that is out-of-network. You could be charged by both the bank of the ATM as well as your bank	$5.00 - $15.00
Overdraft	If you continue making purchases, even if you don't have the funds available in your account, you will be charged a fee for each transaction	$30.00 - $75.00

Ways to Avoid Bank Fees

Ask your banker if your monthly service fee can be waived. Sometimes, if you keep a minimum daily balance, are a student, or set up direct deposit, the fee can be waived.
Keep track of your card - don't lose it and you won't have to pay for a new one!
Always know where you can find your bank's ATMs & only take out what you need.
Overdraft, insufficient funds, & non-sufficient fund fees can be avoided if you keep an eye on your balance.
Know what fees you are responsible for.