Getting What I Want for LessBanking on my OwnThe Ins and Outs of CreditFinding the Job for Me

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In my checkbook register, I keep a perfect history of adds and subtracts. So why is it that I get overdrawn checks?
Interesting question! Are you keeping track of account fees in addition to your deposits and checks? Most checking accounts have some type of fee. Your monthly statement will list any fees your bank charged.
 
Also, review your account information to find out when your bank can charge you fees. Some of the most common fees are:
o       Monthly service charge—this is a fee the bank charges just for having a checking account
o       A monthly fee if your account balance goes below a certain amount during the month
o       Per check fee – a fee for each check you write
o       Fee for each check you write over a certain number each month (over 10 checks per month, for example)
o       Fee for using a foreign ATM
o       Fee for overdraft protection
 
If you find your bank is charging fees, ask if they have an account for teens with no service fees.   Don’t forget, banks compete for customers. If your bank doesn’t offer a no-service fee account, another bank or credit union might. It may be worth your time to shop around to find a no-fee checking account.

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