Bank account fees
decoded
Monthly maintenance, overdraft charges, ATM fees — and exactly how to avoid each one. No sponsored rankings, just public fee schedule data.
8 Banks Compared
Public Fee Schedules
Updated: Mar 29, 2026
| Bank | Monthly Fee | How to Waive It | Overdraft | ATM Fee | ATM Network |
|---|---|---|---|---|---|
 Capital One 360 Checking Online-Only | $0 | No fee to waive | $0 | $0 | 70,000+ fee-free ATMs |
 Ally Interest Checking Online-Only | $0 | No fee to waive | $0 | $0 | 43,000+ Allpoint ATMs + $10/mo ATM fee reimbursement |
 Marcus Online Savings Online-Only
Savings Only
| $0 | No fee to waive | $0 | $0 | N/A (savings account — no ATM card) |
 Discover Cashback Debit Online-Only | $0 | No fee to waive | $0 | $0 | 60,000+ fee-free ATMs |
 Wells Fargo Everyday Checking Traditional | $10 $120/yr | ✓ Direct Deposit: $500+/mo direct deposit ✓ Balance: $1,500+ minimum daily balance ✓ Age: Age 17–24 (student waiver) | $35 | $2.50 | 12,000+ Wells Fargo ATMs |
 Chase Total Checking Traditional | $12 $144/yr | ✓ Direct Deposit: $500+/mo direct deposit ✓ Balance: $1,500+ daily balance ✓ Combined: $5,000+ in Chase deposits/investments | $34 | $2.50 | 16,000+ Chase ATMs |
 Bank of America Advantage SafePass Traditional | $12 $144/yr | ✓ Direct Deposit: $250+/mo direct deposit ✓ Balance: $1,500+ minimum daily balance | $10 | $2.50 | 16,000+ BofA ATMs |
 Citi Basic Checking Traditional | $12 $144/yr | ✓ Direct Deposit: One direct deposit per statement period ✓ Balance: $1,500+ combined average monthly balance | $34 | $2.50 | 65,000+ fee-free ATMs |
All fees from publicly available bank fee schedules and account disclosures. Prices as of Mar 29, 2026. Waiver conditions may vary by account type and region.
How we compare
Fee Evasion Matrix
Every bank buries fee waiver conditions in disclosures. We surface them as simple checklists so you can see exactly what it takes to bank for free.
No sponsored rankings
Banks aren't paying to be listed here. We rank by fees — lowest first. Online banks with $0 fees naturally rise to the top because that's the math.
Public data only
Every fee, waiver condition, and ATM network size comes from publicly available bank fee schedules and account disclosures. No guesswork.