From the merely annoying to the budget-busters, here's what to watch out for in travel, banking, credit cards, real estate, investments and more.
24. Bad-deposit fee
Banking
24. Bad-deposit fee
What it is What you pay if you deposit a check that bounces

What's so bad It's not your mistake!

Ouch! The fee at most big banks is $10.

What you can do If you suspect a check isn't good, try cashing it at the bank where it was issued - or at least call first. Or choose a bank where fees are not quite so high. Bank of America docks you for only $5 on domestic checks.

25. Foreign-currency fee

What it is When you pay with a credit card overseas or take money out of an ATM, your bank tacks on a foreign-transaction fee.

What's so bad The fee has skyrocketed. A few years ago, you often paid only the 1% that Visa and MasterCard impose.

Ouch! Chase collects $3 for each ATM withdrawal plus 3%. Bank of America, Chase, Citibank and Wells Fargo charge 3% on debit and credit.

What you can do You typically get the best conversion rate using a credit card or an ATM, even after the fee. For purchases, stick with low-fee cards. Capital One has no fees. Washington Mutual and Wachovia charge only 1%, American Express 2%. See if you can use an ATM that's associated with your bank. As of December, Citibank customers don't pay a dime at the bank's overseas ATMs. Bank of America allows free ATM withdrawals at affiliated banks.

Air travel

Air travel

Air travel

Air travel

Air travel

Car rental

Car rental

Hotels

Phones

Shopping

Closing costs

Title insurance

Mortgage

ATMs

Checking

Deposit

Credit cards

Credit cards

Mutual funds

Annuities

Brokerage

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Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.
Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.