2. By charging for checking “Low balance”

Yes indeed, you might have been a good customer, faithfully managing your checking account to avoid those annoying overdraft penalties, keeping a careful watch on how and where you use your ATM card.

Surprise! Now you will earn an additional fee which is called as "low balance" fee for not maintaining a minimum balance. Always make sure that you know your bank's minimum balance requirements or, if possible, change to a bank that does not require a minimum. You could also try connecting your checking and savings accounts so that the combined amount is always above the threshold.

3. By charging for not having sufficient funds in account

Have you ever heard of nonsufficient fund fee? If no, then it’s high time that you know about it. When you have a “bounced” check, this can result in a nonsufficient funds fee. Before the check clears, you have enough money in your account for other transactions to go through.

 However, once your check clears, all of a sudden that money is gone. Not only does your check bounce is being sent back to you without being paid, but also you have to pay a nonsufficient funds fee of 100 or more.