For months, we’ve been hearing about how new restrictions on overdraft fees will lead to “the end of free checking” as banks seek to replace the billions in fees they’re about to lose.

You could be forgiven if you’re left with the impression that every checking account will now come with a $10 to $15 mandatory monthly maintenance fee. That won’t happen.

It’s true that banks are fiddling with their fee structures, and you’ll need to pay attention to the changes, or your wallet could suffer. But you’re going to have a lot of options to avoid the fees.

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