Most institutions offer a number of free debit transactions. Some institutions provide the most expensive transactions free, while others provide the least expensive. The calculator takes these factors into account. However, other institutions provide the first transactions undertaken each month for free. In this case, where you exceed the number of free transactions, the calculator will assign an average value to the free transactions.
Some institutions have regional pricing.
Some institutions allow you to pay more than one bill at an ABM, via Telephone Banking, or with a PC, for the cost of one transaction. The calculator assumes that you pay bills one at a time. Some institutions award free transactions for direct deposits. For the purposes of this calculator, these are assumed to be payroll deposits. Where other direct deposits are involved, the information will appear in the institution's notes section.