2. Overdraft Protection Fee
When you write a check or use your debit card for more than you have available in your account and the bank covers the fee, you’ll be charged an overdraft fee. According to the CFPB, the median overdraft fee is $34 at the 50 largest banks, but only $31 at smaller banks and credit unions. You can avoid overdraft fees by not opting into overdraft protection, but keep in mind you’ll still pay NSF fees if you overdraw your account.