According to US News, the average American adult spent $329 on banking fees in 2017. Seem a bit high to you? While inflation is partly to blame, the main reason you’re shelling out cash for banking services is you haven’t taken the time to jump through the hoops. One easy way to avoid high fees is to take a look at a credit union or smaller community bank, which often charge less in fees. Beyond making a switch, you need to be aware of the process required to avoid extra charges, then take action. Here are some of the most common banking fees and how to avoid them.