tip_array=new Array(); // Add below your tips (Do not edit anything above this line !!!!) tip_array[0]="The average local bank charges a $35 fee for an overdraft or bounced check. Additionally, they assess a $5 a day fee until the funds are paid back in full including all outstanding late charges and fees. That's $185 per month, per infraction, or $1,860 just in fees alone per year. Beware!" tip_array[1]="ATM fees continue to rise. On average, your bank charges you 25% more than it did six years ago for using another bank's ATM. The "foreign" bank adds a surcharge that's 40% higher than it was in 1999, according to Bankrate.com." tip_array[2]="If you think you have a no-fee credit card, think again. Even if your card doesn't levy an annual fee, the sponsor has probably loaded it with nickel-and-dime charges that can really add up. According to RK Hammer, a bank-card advisory firm, card issuers took in $13 billion in fees last year, not counting $12 billion in late fees." tip_array[3]="What's a credit card interchange fee? The credit card interchange fee is a percentage of each transaction that Visa and MasterCard and their banks collect from merchants every time a consumer uses a credit or debit card to pay for a purchase. Hidden credit card interchange fees are costing American consumers billions of dollars every year." tip_array[4]="Need to wire cash fast or a get a money order? Stop by Quick Capital, an official Western Union agent."