5. ATM fees:

In most cases, you’re not charged for using your bank’s ATM. But you may be whacked with an out-of-network fee if you use another bank’s machine -- and that bank may tack on a fee, too. The fees are generally disclosed in a warning screen as you punch through the transaction.

6. Bad check deposited:

Never mind that you acted in good faith. Many banks now charge a fee if a check deposited in your account bounces. There’s not much you can do about it except try to collect the fee from the person who wrote the bum check.

7. Teller talk:

Some banks charge a fee if you deal with a teller more than 2 or 3 times a month. This is annoying, but routine deposits, transfers, and withdrawals can be handled through an ATM. Just remember to get a printed receipt.

8. Phone Inquiries:

A fee for making a call to inquire about your balance or other transactions is annoying, but easily avoidable. Most banks have a clunky automated phone system that will answer most of your questions. An ATM should do the same. Plan ahead and you won’t grind your teeth over this fee.

9. Closing an account:

Some banks will slap you with a fee if you close your account within as little as 90 days or as much as 180 days. Read the disclosure statement. Pitching a purple fit is unlikely to change anything -- but you may feel better.

10. Currency conversions:

Many banks get you coming and going: You’re charged a fee to withdraw funds in a local currency from an overseas ATM and you’re hit again when you convert unspent foreign currency to dollars at your home bank. Nail down the fees before you travel and ask how to limit the bite.