Review maintenance, overdraft, nonsufficient-funds, ATM, wire, check, and foreign-transaction charges.
Why it matters
Fee schedules change, and waivers may depend on balances or direct deposit.
What to focus on
- Read the full fee schedule
- Track waiver requirements
- Compare annual cost
ExampleA $12 monthly fee costs $144 a year and may be avoidable with a different account or a clearly understood waiver.
Put it into practice
- Download recent statements
- Total fees from the last year
- Ask about lower-cost accounts
Write down one decision and schedule a short review. Small, repeatable steps are easier to maintain than a one-time overhaul.
Educational information only. Money in Reach does not provide financial, investment, tax, insurance, credit, mortgage, or legal advice.