Bank Fees & Charges Audit Workbook
Track every bank fee, spot the ones worth disputing, and calculate what's recoverable — with auto-calculating annual cost and recovery totals. Excel.
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This kit follows the real sequence of a hidden-fees problem: spot and quantify the fees you weren't expecting, request a refund of what shouldn't have been charged, and escalate formally if the bank refuses. Every template and generator below is completely free to use — no account, no payment, no catch.
The sequence
Start with the calculator to know exactly what you're claiming before you write a word.
Step 1 · Spot the fees
Calculate what you're actually owed
Catch phantom fees by comparing what was quoted against what was actually charged — the exact figure to put in your refund request.
Step 2 · Request a refund
Claim the refund
A firm refund request for an overdraft/NSF fee, a maintenance fee, or any fee you believe was undisclosed, incorrect, or applied without notice. The main tool in this kit.
Step 3 · Refused or ignored?
Escalate to the bank
A firm, formal complaint to your bank or financial institution if the refund request above is refused, dragged out, or handled poorly by staff.
Templates to use alongside
Free, downloadable workbooks for auditing every fee on your account and documenting the complaint if it needs to go further.
Financial Complaint & Escalation Evidence Log
Document a financial complaint from first contact through to regulator escalation (CFPB, FOS, and equivalents) — timeline, commitments, and escalation tracker. Excel.
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