It is often an ironic experience to use a bank account or credit card, as the convenience of these financial services can come with hidden fees that chip away at one's savings. Overdraft fees are common culprits in this regard, as banks charge customers who spend more than what they have in their accounts. These fees can add up quickly and make it difficult for individuals to manage their finances effectively. Additionally, foreign transaction fees are another potential expense for those who travel internationally or shop online from merchants based outside of their home country. These charges can be as high as 3% of the total transaction amount and may go unnoticed until the monthly statement arrives. Therefore, it is essential to read the fine print before opening a bank account or using a credit card to avoid any unpleasant surprises and maintain sound financial health.