1. Paper-Statement Fee
En español | What it’s for: Yes, some banks now charge you to mail a monthly statement to your home.
Typical charge: $1 to $5
How to avoid: Opt out of getting a mailed version and view statements online for free (if you wish, print them out at home). Or upgrade to an account that waives the fee.
See also: 8 ways to avoid bank fees
2. Overdraft Transfer Fee
What it’s for: To prevent checks from bouncing, you can set up an automatic transfer from another account to your checking account, but there is usually a transfer fee.
Typical charge: $10 to $12.50
How to avoid: Set up low-balance alerts for your checking account and do a free transfer before an overdraft occurs.
3. ATM Non-Network Usage Fee
What it’s for: This pesky fee is charged when you stray outside your bank’s ATM network.
Typical charge: $2 to $3.50 per transaction by your bank, plus up to $10 by the ATM operator
How to avoid: Stay in network, or get cash when you pay with your debit card at the grocery store; often there is no fee.
See also: How to save money on bank fees
4. Early-Closure Fee
What it’s for: Banks charge you for closing an account sooner than they would like.
Typical charge: $25 to $50
How to avoid: When opening an account, ask how long you need to keep it open to avoid a closing fee; typically it’s 180 days. Then make sure you keep a balance for that duration.
5. Excess-Activity Fee
What it’s for: Federal rules limit certain withdrawals and transfers from savings accounts to six per month, and most banks charge a fee if you exceed this.
Typical charge: $5 to $20 per transaction
How to avoid: Make savings account transactions in person at your bank or at an ATM; those aren’t limited by the regulations.
See also: How to easily switch banks
6. Check-Image Service Fee
What it’s for: If you want to get copies of your cashed checks with each month’s statement, it’s going to cost you.
Typical charge: $2 to $3.50 each statement cycle
How to avoid: View checks through online banking for free. You can print them yourself if necessary.