Free Bank Fee Checker — Find Every Hidden Fee in Your Statement
Bank fees are some of the most recoverable money leaks. Monthly account fees, ATM charges, foreign transaction fees, and overdraft penalties add up to hundreds of dollars a year — and most are avoidable if you know they're there.
The average person pays $150–$450 in bank fees per year. Most don't know it because fees hide in transaction lists under generic codes.
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Bank Fees to Look For — and How to Avoid Them
Most banks waive this fee if you maintain a minimum balance, have direct deposit, or hold a linked product. Call your bank and ask.
Switch to a bank that reimburses ATM fees (many online banks do) or plan withdrawals from in-network ATMs.
Use a no-foreign-transaction-fee credit card for international purchases and online subscriptions billed in foreign currencies.
Link a savings account as overdraft protection, opt out of overdraft coverage for debit cards, or set low-balance alerts.
Switch to e-statements in your bank's online portal — usually instant and free.
Close dormant accounts or make a small transaction every few months to keep them active.
Hard to avoid for large transfers, but compare bank rates — some charge $15–$45 where others charge nothing.
Evaluate whether you still need the box — many people pay annually for boxes they rarely access.
Frequently Asked Questions
How do I find all the bank fees I'm paying?
Upload your bank statement (CSV or PDF) to Leaky Wallet. The analyzer identifies every bank fee and charge in your transactions, groups them by type, and shows you the total annual cost.
How much do bank fees typically cost per year?
The average Australian pays $120–$300/year in bank fees. In the US, fees average $200–$450/year including account fees, ATM fees, and overdraft charges. Most of these are partially or fully avoidable.
Can I get bank fees refunded?
Many banks will refund fees as a goodwill gesture if you call and ask — particularly first-time overdraft fees and occasional foreign transaction fees. It's always worth asking, especially if you're a long-term customer.
Which bank has the lowest fees?
Online banks and challenger banks (Ally, Marcus, Starling, Monzo, Up Bank) tend to have the lowest fees. Traditional banks often waive fees if you meet balance or direct deposit requirements. Run your statement through Leaky Wallet first to see what you're currently paying.