BANK FEES

How to avoid overdraft fees

7 simple fixes

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Average fee

$26.77

Bankrate 2025 study

Per overdraft.

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Still charge it

94%

Of accounts studied

No federal cap.

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Fix 1

OPT OUT

Debit and ATM

Swipes get declined, no fee.

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Fix 2

LINK

Your savings

Covers the shortfall.

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Fix 3

ALERTS

Low balance

Set one at $100.

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Fix 4

BUFFER

Keep $100–$200

Treat it as zero.

Photo: European Commission, CC BY 4.0

Fix 5

SWITCH

No-fee banks

Many charge $0 now.

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Already charged?

ASK

For a refund

First fees often waived.

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Tired of overdraft fees?

Full guide

Read the guide

nexgenheadlines.com

Photo: European Commission, CC BY 4.0