By Daily Crux Editor Sean Goldsmith:

How many times have you been charged an automatic transfer fee of $10 or a $2 fee just to speak with a teller?

As income from interest falls, banks will depend more and more on excessive fees to raise cash. Late fees, loan-origination fees, over-the-limit and overdraft charges accounted for 53% of the banking industry's income in 2008 - up from 35% in 1995.

Most banks will waive the fees if you just ask, so be on the lookout. Here are 10 common fees banks charge...

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