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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

The bank/credit union is charging high service, activity, maintenance, or other fees on my checking account. Can the bank/credit union do this?


Yes, but your bank or credit union must disclose any fees associated with a deposit account (like a checking account) when you open the account.

A bank or credit union cannot charge you more than the amount of the fee that has been disclosed to you, but it may give you notice after you have opened the account that the fees are changing. Federal law generally does not otherwise limit the amount of checking account fees. You may want to talk to your bank or credit union to see if there is a different account that is suited to your needs and costs less to maintain.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.