Banking Fee Tracker

Calculate how much you're losing to bank fees every year—and discover fee-free alternatives.

Enter Your Monthly Fees

Monthly Maintenance Fee (Checking account)

Out-of-Network ATM Fee (per withdrawal)

How often do you use out-of-network ATMs? (per month)

Overdraft Fee (per incident)

How often do you overdraft? (per year)

Wire Transfer Fee (outgoing)

How often do you send wire transfers? (per year)

Other Monthly Fees (Paper statements, minimum balance, etc.)

Your Annual Fee Loss

You're losing this much to bank fees every year!

Annual Fee Breakdown

Fee Type	Annual Cost
Monthly Maintenance Fees	$0
ATM Fees	$0
Overdraft Fees	$0
Wire Transfer Fees	$0
Other Fees	$0
Total Annual Loss	$0

💸 5-Year Projection

That's how much you'll lose to fees over the next 5 years if you don't switch!

✨ The Good News

Most online banks charge ZERO fees for:

No monthly maintenance fees
No minimum balance requirements
Free ATM networks (60,000+ locations)
No overdraft fees (with protection options)
Free wire transfers (some banks)

You could save $0 per year by switching to a fee-free online bank.

View Fee-Free Banks →

Common Bank Fees to Watch Out For

Monthly Maintenance Fees

Average: $5-$15/month

Traditional banks charge this just for having an account. Online banks? Almost always $0.

ATM Fees

Average: $2.50-$3.50 per withdrawal

Plus your bank charges you, AND the ATM owner charges you. Online banks offer 50,000+ free ATMs.

Overdraft Fees

Average: $30-$35 per incident

One of the most expensive fees. Many online banks offer free overdraft protection or no fees at all.

Wire Transfer Fees

Average: $15-$35 outgoing

Domestic wire transfers can be pricey. Some online banks offer free or low-cost alternatives.

Minimum Balance Fees

Average: $5-$12/month

Charged if your balance drops below a threshold (often $500-$1,500). Online banks usually have $0 minimums.

Paper Statement Fees

Average: $2-$5/month

Some banks charge for mailing statements. Go paperless and save!

How Common Fees Add Up: A Worked Example

Industry-average fees on a typical traditional checking account can compound quickly. Using the calculator's default values as an illustration:

Monthly maintenance fee: $12 × 12 = $144/year
Out-of-network ATM fees: $3.50 × 4 per month × 12 = $168/year
Overdraft incidents: $35 × 2 per year = $70/year
Other monthly fees (paper statement, minimum balance, etc.): $5 × 12 = $60/year
Outgoing wire: $25 × 1 = $25/year

Illustrative total: about $467 per year — or roughly $4,670 over ten years before factoring in lost interest.

Use the calculator above with your own real numbers to see what your bank is actually costing you, and compare against fee-free alternatives. Even small recurring fees compound into meaningful sums over a decade because every dollar paid in fees is also a dollar that can no longer earn compound interest in a high-yield savings account.

If the figure surprises you, two pages on the site cover what to do next: the online vs traditional banks comparison explains where the fee gap comes from structurally, and the step-by-step switching guide walks through how to move direct deposit and autopays to a fee-free account without disruption.