I’ve got some bad news: Your bank is ripping you off. Have you ever thought about how much are you paying in fees? A recent study found that last year the average American spent $329 on bank fees. Three-hundred-twenty-nine dollars! And get this, the average bank account monthly maintenance fee is more than $13 a month. That means $156 a year, just for having an account. Here’s the thing: What you should be paying is zero dollars. Imagine someone making you this offer, “Excuse me, sir or...