Bank fees
Banks usually charge you for every banking service they provide, be it ATM fees, online operations and the like. All these costs add up and you could end up having $12 or more per month only for a checking or savings account.
Luckily, there are many banks that provide these accounts for free. Or better yet, try your local credit union.
Monthly Savings: $16 ($12 checking + one $4 ATM fee)
Annual Savings: $192
