[Music] all right so A1 let's talk about free or
no cost this is what's a free account well first off there can't be any minimum balance fees
and there can't be any transfer service I'm sorry transaction or service fees that we would
expect like a every debit or every debit over six you know maybe you get six and then we're
going to charge a quarter for after that then that would be some type of activity fee that we
cannot call it free but another way to find out about what does this mean is look at A2 with
me other fees you can have these and call it free and you'll see fees not required to be
disclosed under the and there's some Roman n there that's the initial disclosure so safety
deposit boxes like that U reconciliation fees bookkeeping something like that those are not
required to be in the initial disclosure so you can have those and still call it free check
printing balance and inquiry stop payment look uh at that one number 2D is in dog stop payment fees
and fees associated with checks returned and paid so NSF fees you'd say about overdraft fees they
don't mention that well the cfpb has clarified that when they said check returned unpaid NSF
they also meant or checks paid it's the same overdrafts are included there as well fees against
dman accounts and fees for ATMs as long as they aren't required to have the ATM to maintain the
account so you can have those things and call it free
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