If you don't take care with how you manage your money, you can be paying costly bank fees that you

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could possibly avoid. According to Bankrate.com's most recent analysis on checking

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accounts and ATM costs, a sizable chunk of your budget might be eaten up by overdraft or

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non-sufficient fund penalties, fees for interest-bearing and non-interest-bearing checking accounts,

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and fees for ATM use. The study from the personal finance website examines how costly those

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fines may become as well as strategies for avoiding them. Overdraft costs, which are among the most

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costly penalties, have decreased to a 13-year low for the average rate, which is currently $29.80.

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Greg McBride, chief financial analyst at Bankrate.com, said that 96% of accounts continue

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to levy overdraft fees despite the attention paid to a small number of banks that are implementing

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more consumer-friendly overdraft policies. According to Bankrate.com, the average overdraft

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cost has decreased 11% from the previous year to $29.80. Overdraft fees are usually assessed.

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