Bank fee finder
Find every hidden bank fee
Upload a PDF — see every overdraft , ATM , and wire fee in 30 seconds.
What you'll get
Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
$1,850
Largest expense
$103
Avg / transaction
22
Active days
Saturday
Busiest day
AI Insight
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
Spending breakdown
$4,844 across 7 categories
Financial Health
Recurring · $4,188/yr
Potential monthly savings
Cancel unused subscriptions
3 services you haven't used in 60+ days
Switch to cheaper phone plan
You're overpaying vs similar usage profiles
Cook 3 more meals per week
You averaged $42/meal eating out — 18 times this month
The problem
Your bank is probably charging you more than you think
Every type of fee — detected automatically
If your bank charges it, the AI finds it
Fees hide in the transaction column under different merchant descriptors. The AI maps every descriptor to its real category.
Overdraft & NSF
Typically $25–$35 each. Often multiple charges stacked in one day.
ATM fees
In-network, out-of-network, and foreign ATM withdrawals — plus your bank's and the ATM owner's fee.
Wire transfers
$15–$45 domestic, $35–$65 international — incoming and outgoing.
Monthly maintenance
$5–$25/month when you fall below the minimum balance or direct deposit requirement.
Foreign transaction
1–3% on every purchase abroad or from a foreign merchant — even online.
Late & returned item
Late credit card payments, stop payment requests, and returned checks — $15–$35 each.
The part no one tells you
Most banks will refund a fee if you call and ask
Banks budget for a percentage of fee refunds. A one-time overdraft fee is almost always refundable on the first request — especially if you have been a customer for more than a year and the overdraft was your first in six months.
The script is simple: “Hi, I noticed a $35 overdraft fee on [date]. I'd like to request a one-time courtesy refund.” Do not apologize, do not negotiate. Banks have pre-approved scripts for this.
Use our fee report as your receipt. Read off the date and amount, and the agent can usually process the refund in the same call. Even ATM fees are sometimes waived if you ask to move to a fee-free account tier while on the phone.
Reader report: One user ran the tool, found $210 in overdraft fees across 12 months, and got $140 refunded in a single 15-minute phone call. Your mileage will vary, but the ceiling is higher than most people expect.
How AI finds hidden bank fees on a statement
Bank fees rarely appear with a human-readable label. They show up as OD FEE, FOREIGN ATM, or INT WIRE — codes only the bank's back office was meant to read.
Our AI uses pattern matching and a large database of known fee descriptors to translate these codes into plain English. It also looks for amount signatures — a $35 debit from the bank itself on the same day as a transaction decline is almost certainly an overdraft fee, regardless of what the description field says.
For the most complete picture, upload 3–12 months of statements. Three months catches most monthly maintenance and overdraft patterns. A full year surfaces annual card fees, international wire fees, and ATM fees you took on vacation. Most users find at least $50–$200 in fees they had forgotten about — and a meaningful share is refundable.
Secure
Your PDF is processed in memory and never saved to disk. All data is encrypted in transit.
Private
We never sell or share your financial data. Anonymous uploads are auto-deleted after 7 days.
Transparent
No hidden fees, no account required. Try it without an account, or create a free account for 25 pages per month.
Pricing
See where your money goes
Upload a statement and get answers in seconds. No card required.
- 1 analysis / month (up to 25 pages)
- Auto-categorized transactions
- Money flow visualization
- Export to CSV & Excel
- 500 pages / month
- Everything in Free
- AI savings advisor chat
- Find hidden subscriptions
- Extract receipts, invoices & tables
- 12 months history
- Unlimited pages
- Everything in Basic
- Redact sensitive data
- Fraud & fake-statement detection
- Translate any language
- Priority support
FAQ
Bank fees — questions answered
Ready?
Upload one statement.
Get the full picture.
No credit card. No account. Drop a PDF and see every transaction categorized in 30 seconds.
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