(NBC News) - Federal studies continue to show that America's poorest people are paying the most in bank and credit union fees.
The Consumer Financial Protection Bureau says, for example, just 9 percent of all account holders are responsible for nearly 80 percent of overdraft fees.
"It's very difficult, especially for low-income individuals, to maintain bank accounts, especially if those accounts are charging them fees," said Amanda Dixon with bankrate.com
Dixon's just-released survey with money.com also found that nearly 40 percent of those who make under $30,000 a year do not even have a checking account, and when they do, they pay extra.
On average, about $22 extra a month because of ATM and overdraft fees.
She says that's why Bankrate and Money set out to identify banks and credit unions that may be more affordable, for low-income Americans.
"Thirty-eight percent of banks have free checking accounts. So, one of those accounts will certainly be a better fit for you than what you're currently working with," said Dixon.
NBC News 2017