Find every hidden bank fee
Upload a PDF — see every overdraft, ATM, and wire fee in 30 seconds.
Upload your bank statementFind my bank feesPDF from any bank. Scans and photos work too.Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
Find money you're leaving on the table
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
Ask your statement anything
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
See where every dollar went
$4,844 across 7 categories
Your financial health, scored
Spot hidden recurring charges
8 subscriptions found · $349/mo
To find hidden bank fees, upload a statement PDF and review transactions marked as overdraft, NSF, ATM, wire, foreign transaction, or maintenance fees. The analyzer groups detected fees by type and shows the date and amount so you can decide what to question with your bank.
Your bank is probably charging you more than you think
- Average overdraft + NSF fees per household (CFPB)
- $329per year
- Average out-of-network ATM fee — both banks combined
- $4.73per ATM
- Typical foreign transaction fee on most US credit cards
- 3%per foreign tx
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.
- OD FEE
Overdraft & NSF
Typically $25–$35 each. Often multiple charges stacked in one day.
- NON-NETWK ATM
ATM fees
In-network, out-of-network, and foreign ATM withdrawals — plus your bank's and the ATM owner's fee.
- INT WIRE FEE
Wire transfers
$15–$45 domestic, $35–$65 international — incoming and outgoing.
- MNTHLY SVC CHG
Monthly maintenance
$5–$25/month when you fall below the minimum balance or direct deposit requirement.
- FOREIGN TXN FEE
Foreign transaction
1–3% on every purchase abroad or from a foreign merchant — even online.
- RET ITEM FEE
Late & returned item
Late credit card payments, stop payment requests, and returned checks — $15–$35 each.
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.
Fees found in March
- Overdraft feeMar 04Refunded$35.00
- Overdraft feeMar 04Refunded$35.00
- Out-of-network ATMMar 11$4.73
- Monthly service chargeMar 28$12.00
$86.73 in fees this month
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.
- OD FEEOverdraft fee
- FOREIGN ATMATM fee abroad
- INT WIREInternational wire fee
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Private
Clear pricing
Bank statement analyzer pricing
Your first upload is free. Pay once for a single statement, or subscribe if you have many.
Pass
One statement · no subscription
- 1 upload, up to 100 pages
- Every transaction, categorized
- Subscriptions and savings found
- Report kept for a year
Pro
Most popular$144 billed yearly · save 37%
- Everything in Pass, plus
- 100 pages every month (~20 statements)
- Reports kept for as long as you want
- Priority support
Business
$372 billed yearly · save 37%
- Everything in Pro, plus
- 500 pages every month (~100 statements)
- Never blocked: $0.08 per extra page
- REST API with your own keys
Bank fees — questions answered
What is a bank fee finder?
A bank fee finder is a tool that scans your bank statement and flags every charge your bank has applied — overdraft, NSF, ATM, wire transfer, foreign transaction, monthly maintenance, paper statement, stop payment, returned item, and minimum balance fees. Our AI surfaces them in a single list so you can see exactly how much you paid in fees this month.
What types of bank fees does this detect?
Overdraft and NSF (non-sufficient funds) fees, ATM fees (in-network, out-of-network, foreign), wire transfer fees (domestic and international), foreign transaction fees (1–3%), monthly account maintenance fees, minimum balance fees, paper statement fees, stop payment fees, returned item fees, and cashier's check fees. If your bank charges it, the AI flags it.
How do I find hidden bank fees on my statement?
Upload your PDF bank statement here. The AI scans every transaction, identifies fee patterns from merchant descriptors and amount signatures (e.g., '$35 OVERDRAFT FEE'), and groups them by category. You get a total-paid-in-fees number and a line-by-line breakdown in under 30 seconds.
How much do people pay in bank fees each year?
The average US checking account holder pays $77–$329 per year in overdraft and NSF fees alone, according to CFPB data. Add ATM, wire, and foreign transaction fees and the total frequently exceeds $400/year. Many fees are refundable if you call your bank — you just need to know they exist.
Can I dispute or refund these fees?
Many banks will refund a first-time overdraft or NSF fee if you call and ask politely, especially if you have been a customer for a while. ATM and wire fees are rarely refunded but may be waived at higher account tiers. Use our report as your evidence — bring the exact dates and amounts to the conversation.
Which banks charge the most fees?
Traditional brick-and-mortar banks (Chase, Wells Fargo, Bank of America) typically charge more than online-first banks (Ally, Chime, Capital One 360). If your statement shows more than $10/month in fees, it is worth comparing your account's fee schedule to a no-fee online alternative.
Is my bank statement data kept private?
Your PDF is deleted right after analysis — we don't keep it, and never share it. Only the structured transaction data is saved to display your results.
Something else on your mind? Write to contact@mybankstatementanalysis.com.
Try it on your own statement
Your first upload is free, with no account or card. If a paid report doesn't match your statement, you get your money back within 14 days.