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四、英语

Passage 1
In today’s low-yield world, searching your sofa for changing might give you a higher

return than your bank account does.
The average brick-and-mortar savings account now deliver a mere 0.08% in interest on

a $10,000 balance, down from a measly 0.1% last year, MONEY’s annual survey of the
biggest banks in the U.S. has found. That’s just $8 a year. Checking accounts even pay less.
And yields will probably stay lower for a while longer.

The penurious payout banks offer makes the fat fees they charge even more egregious.
At brick-and-mortar banks, maintenance fees on checking accounts runs $14.98 a month on

average — $179 a year. Avoiding the fees typically requires a $3,250 balance, up from
$2,500 last year. (In most cases, even signing up for regular direct deposits won’t cancel the

fees anymore.)
Need cash? Almost 75% of traditional bank accounts still charge a fee if you use an

ATM outside the network. And those fees have grown to an average of $2.46 per
withdrawal this year, MONEY found, from $2.30 in 2014. Those dollars add up. Nearly a
third of ATM withdrawals are from out-of-network ATMs, according to banking

technology company Personetics Insights.
Consumers seem to have become injured — curiously, they even report higher

satisfaction with banking fees, says J.D.Power. “Customers get used to it,” says Jim Miller,
who covers banking services at J.D.Power. Customers also tend to underestimate how much
they pay in ATMS fees, according to Personetics Insights.

Demand better. “There are still plenty of free accounts out there,” says Bankrate.com
chief financial analyst Greg Mc Bride. “Consumers are not hostage to rising fees and

balance requirements.” Just by moving to a bank with no maintenance fees and no ATM
fees, MONEY estimates that you could save more than $360 a year.

Choosing a bank can be a deeply individual process — a mid-career professional with
a full-time job, direct payroll deposits, and substantial savings will have different priorities

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