BANK FEE INDEX · UPDATED OCT 27, 2026
What your bank charges you.
The average account we track charges $3.82 a month and $9.90 per overdraft. 6 of them charge neither.
| # | BANK | FEE SCORE | MONTHLY | OVERDRAFT | ATM FEE | ATM REFUNDS | FOREIGN TX |
|---|---|---|---|---|---|---|---|
| 01 | Ally Bank Spending Account | 100 | $0 | $0 | $0 | $10/mo | 1% |
| 02 | Capital One 360 Checking | 100 | $0 | $0 | $0 | — | 0% |
| 03 | SoFi Checking and Savings · as of May 18, 2026 | 100 | $0 | $0 | $0 | None | 0% |
| 04 | CIT Bank eChecking · as of Aug 1, 2026 | 100 | $0 | $0 | $0 | $30/mo | 1% |
| 05 | Alliant Credit Union High-Rate Checking Membership required | 100 | $0 | $0 | — | $20/mo | 1% |
| 06 | Happen Bank LevelUp Checking · as of Oct 1, 2026 Formerly LendingClub | 100 | $0 | — | $0 | Unlimited | — |
| 07 | American Express Rewards Checking Requires an existing Amex card, savings account or CD | 87 | $0 | $0 | $0 | None | 2.7% |
| 08 | Navy Federal Credit Union Free EveryDay Checking · as of Jun 23, 2025 Membership required. The overdraft fee applies only if you opt in to overdraft coverage | 79 | $0 | $20 | $1 | None | 1% |
| 09 | Bank of America Advantage Plus Banking · as of Aug 1, 2026 Monthly fee waived with a $250+ direct deposit, a $1,500 daily balance, or Preferred Rewards | 39 | $12 | $10 | $2.50 | None | 3% |
| 10 | Chase Total Checking · as of Jun 14, 2026 Monthly fee waived with $500 in direct deposits, a $1,500 daily balance, or $5,000 in linked balances | 15 | $15 | $34 | $3 | None | 3% |
| 11 | Wells Fargo Everyday Checking · as of Jul 28, 2026 Monthly fee waived with $500 in direct deposits, a $1,500 daily balance, $5,000 in linked balances, or age 17–24 | 15 | $15 | $35 | $3 | None | 3% |
A dash means the bank doesn’t publish that fee; the score counts it as $0. ATM fee is what the bank itself charges for an out-of-network withdrawal; the ATM owner usually adds its own surcharge. How the fee score works.
FEE CALCULATOR
Add up your year.
Set the sliders to match how you bank. Most people are surprised by the total.
$12
3
$35
2
$5.50
$1,500
3%
YOUR BANK COSTS YOU
$426 / year
Maintenance fees$144
Overdraft fees$105
ATM fees$132
Foreign transaction fees$45
The top accounts in the fee index charge $0 for all four. That's $426 a year back in your pocket.