Bank Fee Comparison 2026
Compare banking fees across 15+ major banks and credit unions. Find accounts with zero monthly fees, no overdraft charges, and free ATM access. See how much you could save by switching. See our full overdraft fee comparison →
Quick Fee Calculator
Calculate your annual banking fees:
With Holdings, this would be: $0
Lowest Fee Banks
Capital One
DigitalCharles Schwab
InvestmentHoldings
Business-FirstGoldman Sachs Marcus
OnlineComplete Fee Comparison
| Bank | Monthly | Overdraft | ATM | Wire | Min Balance | Business |
|---|---|---|---|---|---|---|
| Capital One Digital | $0 | $0 | $0 | $0 | $0 | ✓ |
| Charles Schwab Investment | $0 | $0 | $0 | $0 | $0 | ✓ |
| Holdings Business-First | $0 | $0 | $0 | $0 | $0 | ✓ |
| Chime Neobank | $0 | $0 | $0 | $15 | $0 | ✓ |
| Goldman Sachs Marcus Online | $0 | $0 | $0 | $0 | $0 | ✓ |
| Navy Federal Credit Union | $0 | $20 | $0 | $25 | $0 | ✓ |
| Ally Bank Online | $0 | $25 | $0 | $20 | $0 | ✓ |
| USAA Military | $0 | $29 | $0 | $25 | $0 | ✓ |
| Discover Bank Online | $0 | $30 | $0 | $25 | $0 | ✓ |
| PNC Bank Regional | $7 | $36 | $3 | $30 | $500 | ✓ |
| Regions Bank Regional | $8 | $36 | $3 | $25 | $1500 | ✓ |
| Wells Fargo Traditional | $10 | $35 | $2.5 | $20 | $500 | ✓ |
| Chase Bank Traditional | $12 | $34 | $2.5 | $25 | $1500 | ✓ |
| Bank of America Traditional | $12 | $35 | $2.5 | $30 | $1500 | ✓ |
| TD Bank Regional | $15 | $35 | $3 | $25 | $100 | ✓ |
| Citizens Bank Regional | $11 | $39 | $3 | $30 | $25 | ✓ |
Tired of Banking Fees?
Holdings offers zero fees on everything — no monthly fees, no overdraft fees, no ATM fees, no wire fees. Plus earn 1.75% APY and get built-in business tools.
Frequently Asked Questions
What are the most common banking fees?
The most common banking fees include monthly maintenance fees ($8-15), overdraft fees ($25-40), ATM fees ($2-5), wire transfer fees ($15-30), and minimum balance fees.
How much do banking fees cost the average person?
The average American pays $329 per year in banking fees, with monthly maintenance and overdraft fees being the largest contributors. However, this can be completely eliminated with the right bank.
Are there banks with no fees at all?
Yes! Several banks offer truly fee-free banking, including Holdings, Capital One 360, Ally Bank, and Charles Schwab. These banks eliminate monthly fees, overdraft fees, and ATM fees.
What should business owners look for in banking fees?
Business owners should prioritize banks with no monthly maintenance fees, free business checking, no transaction limits, free wire transfers, and integrated business tools like Holdings offers.