Ten Strategies to Fight Bank Fees

8. Human Interaction

Beware of the surcharges some banks impose for interacting with representatives. If there's an automated system you can use, the bank may charge you for taking up employees' time instead.

If working with a representative or making any "out of the ordinary" requests -- like exchanging currency or trading coins for bills -- make sure there is no fee imposed. There have been reports of oddball fees charged for visiting a bank too frequently or being unprepared at a drive-through window as well, but those seem to be more the exception than the rule.

On the other end of the spectrum, also beware of charges for online banking or using automated phone systems.

9. Dormant Accounts

Have you officially closed that checking account with your old bank that only had $2.07 left in it? Better make sure. Some outlets will charge a monthly fee for not performing any transactions for an extended period of time. If the fees add up to more than the remaining balance, you could get tagged with overdraft charges as well.

If you're going on an extended holiday or you're a college student going home for the summer, it's wise to make sure your bank won't charge any penalties. If they do, you might want to switch to a different type of account or a new bank.

10. Account Closure

Yes, banks even charge to close accounts -- anywhere from $5 to $35, depending on terms of the agreement.