Checking accounts that pay interest charge an average of $14.35 a month, and non-interest-bearing accounts charge $5.57, according to Bankrate.com. Luckily, these fees are among the easiest to avoid. Most accounts waive the fee if you arrange for a direct deposit or maintain a minimum balance.
Among accounts at big national banks, TD Bank’s Convenience Checking requires a minimum daily balance of only $100 to waive the $15 monthly fee. Or find a free account with no strings attached; internet banks and credit unions are often your best bets.
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