How AI Detects Hidden Banking Fees in Overdraft and Maintenance Charges

Americans paid $15.5 billion in overdraft fees in 2025. AI compares each charge against the account fee schedule.

Overdraft Fee Errors - Wrong balance type calculation. Average recovery: $200 per account.

Maintenance Fee Overcharges - Charged despite minimum balance being met. Affects 4% of accounts.

ATM Fee Overcharges - Exceeding disclosed amounts. Affects 3% of transactions.

Wire Transfer Fees - Exceeding posted rate schedules.

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