Millions of people connect a bank account to a budgeting app, a bill-negotiation service, or an automated investing tool without ever paying a separate charge for the privilege. That arrangement may not last. The Consumer Financial Protection Bureau is working on a new rule that would let banks and credit unions charge outside apps for…

PNC Bank’s overdraft and non-sufficient-funds revenue reached $279 million in 2025, up 8% from what it collected in 2023, according to bank-reported figures compiled by the National Consumer Law Center. PNC is far smaller than the two biggest overdraft collectors in the country, but its two-year growth rate is the kind of detail that gets…

Among the 20 largest consumer banks in the country, Regions Bank collected more overdraft fee revenue per checking account than any other in 2025, about $30 a year on average. That figure comes from the same federal call-report data that regulators and consumer advocates use to track the industry, and it answers a more useful…

Four of the country’s biggest consumer banks charged their customers nothing at all for overdrawing an account in 2025, even as banks and credit unions nationwide collected more than $12 billion in overdraft and non-sufficient-funds fees for the year. The gap between those two facts is not an accident of size or region: it’s a…

Pulling cash from an ATM that doesn’t belong to your own bank has never cost more. The average combined fee for an out-of-network withdrawal climbed to $4.86 in Bankrate’s latest annual study, and in several major cities it now tops $5 a swipe. For anyone who still keeps cash on hand for tips, a rent…

A rule finalized by the Consumer Financial Protection Bureau in December 2024 would have capped most bank overdraft fees at $5. It never took effect. Congress killed it in the spring of 2025, and the fee data collected since then shows exactly what that repeal costs the typical account holder: the average overdraft fee now…

Most bank fee waivers ask for something from the customer — a certain balance, a certain number of direct deposits, a bundled product. Truist has built one waiver path into its checking lineup that asks for nothing at all except a birth date. Customers on either side of a specific age line can skip the…

A checking or savings account that sits untouched long enough does not just quietly wait for its owner to come back. At U.S. Bank, an account classified as dormant is charged $5 every month it stays that way, a fee that can chip away at a forgotten balance long before the state ever gets involved.…

Checking accounts that once came free with a debit card and a smile increasingly carry a monthly price tag, and U.S. Bank’s flagship consumer account is no exception. The bank’s Smartly Checking account lists a $12 monthly maintenance fee in its current pricing disclosure, and unlike a flat, unavoidable charge, dodging it depends on clearing…

Overspending a debit card by a few dollars can trigger a fee of around $35 — but only if you gave the bank permission to let it happen. A little-known federal rule puts that choice in the customer’s hands, and turning off debit-card overdraft coverage is a free move that stops the fees before they…