Bank Fee Calculator
Add up maintenance, overdraft, ATM and other bank fees to see what your account costs each year.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Add up what the account costs
Your projection
$441 a year in bank fees
Per month
$36.75
Over 10 years
$4,410
Overdraft share
23.8%
Many maintenance fees are waived with direct deposit or a minimum balance. Ask the bank what the waiver takes before moving, then compare no-fee accounts at insured banks and credit unions.
About this tool
Method, assumptions, practical next steps, and limits.
Fees are a price you can usually avoid
Checking accounts with no monthly fee are widely available. Paying for one is worth it only if the account gives you something you use.
How the calculation works
Annual fees = maintenance × 12 + overdrafts × fee + ATM uses × 12 × ATM fee + other fees
A $12 maintenance fee, three $35 overdrafts, two ATM withdrawals a month at $5.50 each and $60 of other fees add up to $441 a year, or $4,410 over a decade.
Before you switch
Ask what waives the maintenance fee: often direct deposit or a minimum balance. Overdraft protection can usually be turned off, so a card purchase is declined instead of costing a fee. Moving automatic payments takes time, so keep the old account open for a month or two.
