If theres one things banks love, its charging you extra for stupid things and hoping you wont notice.

Dont let greedy banks upcharge you into oblivion.

Here are some extremely common fees that are easy to avoid.

Fees are one of the worst offenders of wasted money.

Basically, if you arent on top of your bank account, the banks will gouge you.

Overdraft Fees and Credit Card Late Payment Fees:Overdraft fees are probably the most notorious of bank fees.

So naturally, the banks charge you money for not having enough moneyoftenas much as $35 a pop.

Stop overdrafting and learn tomanage your money better.

Of course, mistakes still happen, and once in awhile, you might overdraft.

Provided youre not repeatedly overdrafting, a simple phone call to your bank can fix this problem.

The gist is simple: make the call and ask them to waive the overdraft fee.

If they balk at your request, point out how long youve been a loyal customer.

In most cases, theyll waive the fee right there.

Talk to your bank to learn how.

The same goes for credit card late payment fees.

The easiest way to avoid these fees is to meet the requirements for a free checking account.

Each bank differs, but lets takeBank of America as an example.

Typically, banks charge around $7 per check and are filed under processing fees.

Again, you might usually get these fees waived with a phone call.

That was it, they removed the $7 fee.

If you dont already have it installed, download your banks smartphone app.

Most have an ATM locator option so you might easily find the closest free ATM, which is awesome.

Switch to one of those and youll never worry about ATM fees again.

Sometimes, it feels like banks are trying as hard as they can to not be convenient.

Want to take money out of your account from another banks ATM?

Want a paper statement in the mail?

Accidentally get it sent to the wrong address?

Pay a bigger fee.

Thankfully, these charges are incredibly easy to avoidyou just have to know they exist in the first place.

ATM Fees:ATM fees are pretty well known, but that doesnt make them any less annoying.

If you use ATMs a lot, this adds up pretty quickly.

Big ones includes TD Bank, U.S. Bank, and a number of regional banks.

Every banks differs, but youll usually find a link on your main account account page.

The fix is simple: remember to change your address with your bank.

But there are all kinds of other fees you might not know about.

Avoiding these fees is all about preparation.

As for those ATM fees, mostlarge banks have partner bankswhere you might withdraw cash for free.

Just check that you research ahead of time so you know where to go.

Credit Card Interest Rates:We all know that credit cards come with interest rates.

Thats just part of the deal, right?

The Washington Post points out that it often just takes aphone call to get your interest rate lowered.

The older you are, the more likely that phone call will work.

Regardless,this scriptshould help you along the way.

Stop Payment Fees:Sometimes, you better cancel a check.

Maybe you wrote the incorrect amount, or a check got lost in the mail.

Like a lot of the fees on this list, your magic bullet is a phone call.

Depending on your bank, you should be able to get it removed.

Wire Transfer Fees:Wiring money to and from your bank account costs…well, more money.

Most banks charge around $15 for incoming wire transfers and $25-$30 for outgoing transfers.

That adds up pretty quick if youre moving money around a lot.

Thankfully, its 2015 and wire transfers arent really necessary anymore.

It should be just as quick as a wire transfer.

Banks love fees and even when you know about them, its hard to track them sometimes.