This roundup of fees from banks, credit card companies and lenders outlines some common expenses consumers face. Whether it's a $50 fee for stopping payment on a check or a run-of-the-mill bank overdraft charge of $38, it's time to stand up to fees. Use this guide to see what fees to expect, how much they cost and how to avoid them.

Fee roundup	ATM/Debit Bank accounts Banking services Checking accounts Credit cards Mortgages Savings & investing
ATM/Debit   ATM surcharges   Bank-owned ATM fees   Check-card: PIN transaction fees   Check-card: Signature transaction fees   What it is Fee range How to avoid What it is: Banks charge their own customers when they withdraw money from other institutions ATMs. Sometimes you get stuck with no cash and there's not a familiar ATM in sight. When that happens, you'll probably be charged twice -- once by the owner of the ATM and then again by your own bank. Fee range: In our Fall 2006 Checking Study, Bankrate found that the average fee a bank charges its customers who use another institution's ATM is $1.25. How to avoid: Plan ahead, budget and carry an adequate cash reserve. Grocery stores, major drugstores and stores such as Target or Wal-Mart offer the option of cash back when using a debit card to purchase, so if there's one in the area and you need a bottle of water anyway, it could save you a buck or two to get cash from them instead of an ATM.