Bank Fees & Charges Audit Workbook
Individual bank fees are small enough to ignore one at a time, and that's exactly why they add up unnoticed — a maintenance fee here, an overdraft charge there, a foreign transaction fee on a card you forgot was even enabled for it. Log every fee for a few statement cycles and the workbook does the math on what you're actually paying, and what's realistically worth disputing.
Small fees are designed to be ignored one at a time
A single $3 fee doesn't feel worth a phone call. A dozen of them across a year, plus an overdraft charge or two and a foreign transaction fee you didn't realize was still active, is a different number entirely — and most banking apps don't total this up for you or flag which fees are genuinely worth disputing versus which are simply the terms of your account.
This workbook logs every fee as it appears and calculates your real annual cost automatically, so you can see the actual total and decide what's worth pushing back on with real numbers, not a guess.
- Fee Log — every charge, its type, and the date it hit your account
- Auto-Calculating Annual Cost — see your real yearly total as you log fees, not just one statement at a time
- Dispute-Worthy Flag — spot the fees that look like genuine errors or waivable charges, separate from routine account terms
- Recovery Total — tracks what you've actually gotten refunded or waived once you start disputing
Step by step
- Download the Excel workbook and go through a few recent statements, logging every fee.
- Let the workbook calculate your actual annual cost across all fee types automatically.
- Review the flagged entries to see which fees are realistically worth disputing.
- Contact your bank about the ones worth pursuing, and log what's waived or refunded.
- Watch the Recovery Total add up as disputes are resolved.
Anyone who suspects their bank fees add up to more than they realize
Whether it's one account or several, seeing the real annual total in one place is usually what actually prompts action — a number is harder to ignore than a line item.
- Editable Excel spreadsheet
- Fee Log with auto-calculating annual cost
- Dispute-Worthy Flag
- Recovery Total tracker
- Works on any device
See what your bank fees actually cost you in a year.
Small charges add up quietly — this workbook adds them up on purpose.
Get it — $5.90 →One-time $5.90 · Excel · Works on any device