I opened a "free" checking account but there are fees charged on my account. Can my bank/credit union do that?
If an account is described as free or no cost, it cannot have any monthly service fees, fees for exceeding a specified number of transactions, or any fees to deposit, withdraw, or transfer money.
A free or no cost account also means that the bank or credit union cannot charge you a fee for not meeting a minimum balance.
However, a free account may still have certain fees such as ATM fees, overdraft fees, bounced check fees, balance inquiry fees, fees to stop payment on a check, fees on a dormant account, or check-printing fees.