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Let's say your bank charges you a monthly maintenance fee; it costs you on average to withdraw cash from a non-bank ATM, and you withdraw cash about twice a month; your checking account is linked to your savings account so that payments go through when you overdraft - which happens about four times a year at per day; lastly, for that weekend where you thought you had enough money in your account, an unexpected payment went through and you try to use your card a few (e.g., three) times at different stores or restaurants - your bank slaps you with a fee for each attempt.
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