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The bank/credit union is charging high service, activity, maintenance, or other fees on my checking account. Can the bank/credit union do this?


Yes, but your bank or credit union must disclose any fees associated with a deposit account (like a checking account) when you open the account.

A bank or credit union cannot charge you more than the amount of the fee that has been disclosed to you, but it may give you notice after you have opened the account that the fees are changing. Federal law generally does not otherwise limit the amount of checking account fees. You may want to talk to your bank or credit union to see if there is a different account that is suited to your needs and costs less to maintain.

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