SBI Pays You 2.50%. Unity SFB Pays 7.25%. Both Have the Same DICGC Insurance.
On Rs 5 lakh sitting in a savings account, that is the difference between Rs 12,500 and Rs 36,250 per year — same government-backed deposit insurance up to Rs 5 lakh.
Over 5 years, the gap compounds to over Rs 1.3 lakh. For doing nothing different except choosing a different bank.
Small Finance Banks pay 2-3x more interest than SBI, HDFC Bank, or ICICI. They have the same RBI licence, the same DICGC coverage, the same UPI access. The question every Indian saver should be asking: why is my money still sitting in a bank that pays 2.5%?
The answer is risk. And the risks are real — SFB gross NPAs quadrupled to 9.4% in one year. This guide covers every rate, every risk, and the exact math so you can decide for yourself.
Every Savings Account Rate, Every Slab — April 2026
Small Finance Banks
The headline rate is not the rate you earn. SFBs use slab-based pricing — the highest advertised rate only applies to balances above Rs 10-50 lakh. Here is every slab:
AU Small Finance Bank (effective April 23, 2026)
| Balance Slab | Interest Rate |
|---|---|
| Below Rs 1 lakh | 2.50% |
| Rs 1-5 lakh | 2.75% |
| Rs 5-10 lakh | 3.50% |
| Rs 10 lakh - 10 crore | 6.50% |
| Rs 10-25 crore | 6.00% |
The trap: If you keep Rs 4 lakh in AU SFB, your blended rate is approximately 2.69%. That is barely better than SBI’s 2.50%. You need Rs 10 lakh+ to access the 6.50% rate. AU is the strongest SFB — rated AA by CRISIL and ICRA, approved for universal bank conversion.
Unity Small Finance Bank
| Balance Slab | Interest Rate |
|---|---|
| Up to Rs 1 lakh | 6.00% |
| Rs 1-5 lakh | 7.25% |
| Rs 5-50 lakh | 7.50% |
| Above Rs 50 lakh | 7.75% |
The outlier: Unity is the only SFB paying 6% even on balances below Rs 1 lakh. Every other SFB pays 2.50-3.00% on small balances. But Unity has the worst risk profile — 5.5% GNPA, RBI governance concerns, Rs 70 crore internal fraud exposure, and an uncertain CEO situation.
Equitas Small Finance Bank (effective January 10, 2025)
| Balance Slab | Interest Rate |
|---|---|
| Up to Rs 1 lakh | 3.00% |
| Rs 1-10 lakh | 5.00% |
| Rs 10-25 lakh | 7.00% |
| Rs 25 lakh - 1 crore | 7.25% |
| Rs 1-25 crore | 7.50% |
No minimum balance penalty on the Regular Savings Account variant. The 5% rate kicking in at Rs 1 lakh makes Equitas competitive even for moderate balances.
Suryoday Small Finance Bank (Supreme Account)
| Balance Slab | Interest Rate |
|---|---|
| Up to Rs 1 lakh | 2.50% |
| Rs 1-5 lakh | 4.00% |
| Rs 5-10 lakh | 7.25% |
| Rs 10 lakh - 2 crore | 7.50% |
Interest credited monthly (not quarterly). However, Suryoday’s GNPA hit 8.5% in June 2025 and the bank posted a net loss of Rs 33.78 crore in Q4 FY25. Collection efficiency dropped from 94.8% to 86.4%. High rate, high stress.
Ujjivan Small Finance Bank (effective April 1, 2026)
| Balance Slab | Interest Rate |
|---|---|
| Up to Rs 1 lakh | 2.50% |
| Rs 1-5 lakh | 3.00% |
| Rs 5-10 lakh | 5.50% |
| Rs 10 lakh - 10 crore | 6.50% |
RBI rejected Ujjivan’s universal bank application in April 2026. Reason: 45% of the loan book is microfinance group loans and stressed loans (bad + restructured) represent nearly 30% of the total book.
Jana Small Finance Bank
| Balance Slab | Interest Rate |
|---|---|
| Up to Rs 1 lakh | 2.50% |
| Rs 1-5 lakh | 3.50% |
| Rs 5-10 lakh | 4.50% |
| Rs 10-50 lakh | 6.75% |
| Rs 50 lakh - 50 crore | 7.00% |
Jana SFB was penalized Rs 1 crore by RBI in May 2025 for issuing CCPS to certain persons violating guidelines. Its universal bank application was also returned in 2024 for non-fulfilment of eligibility criteria.
ESAF Small Finance Bank
| Balance Slab | Interest Rate |
|---|---|
| Up to Rs 1 lakh | 3.00% |
| Rs 1-5 lakh | 5.50% |
| Rs 5-10 lakh | 6.00% |
| Rs 10 lakh - 1 crore | 6.50% |
ESAF reported a net loss of Rs 521 crore for FY25. GNPA at 6.9%. NNPA-to-net-worth ratio at 40%. This is a bank under significant stress despite offering competitive rates.
Utkarsh Small Finance Bank
| Balance Slab | Interest Rate |
|---|---|
| Up to Rs 1 lakh | 3.00% |
| Rs 1-5 lakh | 4.25% |
| Rs 5-10 lakh | 5.50% |
| Rs 10-50 lakh | 7.00% |
| Rs 50 lakh - 10 crore | 7.25% |
Capital Small Finance Bank
| Rate | 3.10% flat on all balances |
|---|
Capital SFB is the most conservative SFB. No slab differentiation. At 3.10%, it is barely better than HDFC Bank’s 2.75%. Not all SFBs offer high rates.
Big Banks — The Baseline
| Bank | Rate (below Rs 50 lakh) | Rate (Rs 50 lakh+) |
|---|---|---|
| SBI | 2.50% | 2.50% |
| HDFC Bank | 2.75% | 3.25% |
| ICICI Bank | 2.50% | 2.50% |
| Axis Bank | 2.75% | 3.25% |
| Kotak Mahindra | 3.50% | 4.00% |
| PNB | 2.50% | 2.70% |
| Bank of Baroda | 2.50% | Up to 4.75% |
| Canara Bank | 2.90% | Up to 4.00% |
HDFC Bank and Axis Bank both cut savings rates by 25 bps in April 2025 after RBI’s rate cuts. SBI cut to 2.50% in June 2025. Kotak is the best among large banks at 3.50%.
The Real Math: What You Actually Earn at Each Balance Level
Headlines say “7.5% at SFBs.” Reality depends on your balance. Here is the actual blended annual interest at different balances:
On Rs 3 Lakh Balance
| Bank | Blended Rate | Annual Interest |
|---|---|---|
| SBI | 2.50% | Rs 7,500 |
| HDFC Bank | 2.75% | Rs 8,250 |
| AU SFB | ~2.58% | Rs 7,750 |
| Equitas SFB | ~4.33% | Rs 13,000 |
| Unity SFB | ~6.42% | Rs 19,250 |
| Suryoday SFB | ~3.17% | Rs 9,500 |
At Rs 3 lakh, only Unity and Equitas meaningfully beat big banks. AU SFB, Suryoday, and Ujjivan barely improve on SBI at this balance level.
On Rs 10 Lakh Balance
| Bank | Blended Rate | Annual Interest |
|---|---|---|
| SBI | 2.50% | Rs 25,000 |
| HDFC Bank | 2.75% | Rs 27,500 |
| AU SFB | ~4.55% | Rs 45,500 |
| Equitas SFB | ~5.80% | Rs 58,000 |
| Unity SFB | ~7.13% | Rs 71,250 |
| Suryoday SFB | ~5.63% | Rs 56,250 |
At Rs 10 lakh, the gap explodes. Unity SFB earns Rs 71,250 vs SBI’s Rs 25,000 — Rs 46,250 more per year. Over 5 years, that compounds to roughly Rs 2.6 lakh extra.
On Rs 5 Lakh Balance (The DICGC Sweet Spot)
| Bank | Blended Rate | Annual Interest |
|---|---|---|
| SBI | 2.50% | Rs 12,500 |
| AU SFB | ~2.70% | Rs 13,500 |
| Equitas SFB | ~4.60% | Rs 23,000 |
| Unity SFB | ~7.00% | Rs 35,000 |
| Suryoday SFB | ~3.30% | Rs 16,500 |
Rs 5 lakh is where DICGC fully covers you. Unity SFB earns Rs 22,500 more than SBI on this amount — every single year.
The 5-Year Compound Difference
For someone parking Rs 5 lakh in a savings account and not touching it:
| Bank | Year 1 | Year 3 | Year 5 | Total Earned |
|---|---|---|---|---|
| SBI (2.50%) | Rs 12,500 | Rs 38,441 | Rs 66,002 | Rs 66,002 |
| Unity SFB (blended ~7%) | Rs 35,000 | Rs 1,12,518 | Rs 2,00,255 | Rs 2,00,255 |
| Difference | Rs 22,500 | Rs 74,077 | Rs 1,34,253 | Rs 1,34,253 |
Rs 1.34 lakh more over 5 years on the same Rs 5 lakh. Both covered by the same DICGC insurance. Both accessible via UPI. The only difference is which bank you opened an account with.
The Risk Side: Why SFBs Pay More (And What Can Go Wrong)
SFB Gross NPAs Quadrupled in One Year
| Metric | March 2024 | March 2025 | Change |
|---|---|---|---|
| SFB gross NPA ratio | 2.5% | 9.4% | +6.9 percentage points |
| Microfinance sector GNPA | 8.8% | 16.0% | +7.2 percentage points |
| SFB return on assets | 2.1% | 1.4-1.6% | Declining |
The microfinance crisis is the single biggest risk to SFB depositors. Most SFBs have 30-50% of their loan books in microfinance. When these borrowers default, the bank’s profitability erodes — and eventually, deposit rates get cut or worse.
Bank-by-Bank Risk Assessment
| SFB | GNPA | Credit Rating | Key Risk | Universal Bank Status |
|---|---|---|---|---|
| AU SFB | Low | AA (strongest among SFBs) | Rate may drop after universal bank conversion | Approved (Aug 2025) |
| Unity SFB | 5.5% | Not rated | Rs 70Cr fraud, no CEO, governance red flags | Not eligible |
| Equitas SFB | Moderate | A1+ (short-term) | High NPA blocking universal bank transition | Aspirational, ~2 years away |
| Ujjivan SFB | High | A1+ (short-term) | 45% microfinance, 30% stressed book, universal bank rejected | Rejected (Apr 2026) |
| ESAF SFB | 6.9% | Under watch | Net loss Rs 521Cr FY25, NNPA/net-worth at 40% | Not eligible |
| Suryoday SFB | 8.5% | Under stress | Net loss Q4 FY25, collection efficiency dropping | Not eligible |
| Jana SFB | Moderate | A (CARE, CRISIL) | Rs 1Cr RBI penalty, universal bank application returned | Returned |
The pattern: the highest rates come from the most stressed banks. Unity SFB pays the most but has the worst governance profile. Suryoday pays 7.50% on Rs 10 lakh+ but is posting losses. AU SFB is the safest but pays the lowest rates among SFBs.
For Comparison: Big Bank Safety
| Bank | GNPA | Credit Rating | DICGC Claim History |
|---|---|---|---|
| SBI | <2.5% | AAA (sovereign-backed) | Zero claims in history |
| HDFC Bank | <1.5% | AAA | Zero claims |
| ICICI Bank | <2.5% | AAA | Zero claims |
Since 1962, only 27 commercial banks have failed vs 410 cooperative banks. No scheduled commercial bank has failed in a way that required DICGC payouts in recent decades. The AA rating of AU SFB (best among SFBs) is two notches below the AAA of HDFC Bank — a meaningful gap in credit risk terms.
DICGC Coverage: Identical for SFBs and Big Banks — With Nuances
Every SFB with an RBI licence is mandatorily covered by DICGC deposit insurance. The Rs 5 lakh limit works identically:
- Coverage: Rs 5 lakh per depositor per bank (principal + accrued interest combined)
- Scope: Savings, FD, RD, current accounts — all clubbed together
- Timeline: 90-day payout mandate under 2021 DICGC Amendment
- Same premium: Banks pay the same DICGC premium rate regardless of size
The Multi-Bank Strategy
| Number of SFBs | Amount per Bank | Total Covered | Blended Rate (at 7%) | Annual Interest |
|---|---|---|---|---|
| 1 | Rs 4.50 lakh | Rs 4.50 lakh | ~7% | Rs 31,500 |
| 3 | Rs 4.50 lakh | Rs 13.50 lakh | ~7% | Rs 94,500 |
| 5 | Rs 4.50 lakh | Rs 22.50 lakh | ~7% | Rs 1,57,500 |
Keep Rs 4.50 lakh per bank, not Rs 5 lakh. Accrued interest counts toward the Rs 5 lakh DICGC limit. At 7% interest, Rs 5 lakh becomes Rs 5.35 lakh in a year — Rs 35,000 sits uninsured. Starting at Rs 4.50 lakh gives you a buffer.
A couple using individual and joint accounts at 5 SFBs can get up to Rs 75 lakh in total DICGC coverage — all earning 6-7% instead of SBI’s 2.50%.
The DICGC Limit May Increase
The Finance Ministry confirmed in February 2025 that it is reviewing an increase above Rs 5 lakh. DFS Secretary M. Nagaraju cited the New India Cooperative Bank scam as a trigger. Industry experts recommend Rs 8-12 lakh. But no timeline exists — the limit stayed at Rs 1 lakh for 27 years before the 2020 increase. Plan around Rs 5 lakh.
The Tax Trap: SFB Interest Under New Regime
Under the new tax regime (default since FY 2023-24), Section 80TTA does not exist. Every rupee of savings interest is taxable at your slab rate.
Post-Tax Returns on Rs 10 Lakh Balance
| Bank | Pre-Tax Interest | Tax at 30% + Cess | Post-Tax Return | Effective Rate |
|---|---|---|---|---|
| Unity SFB | Rs 71,250 | Rs 22,230 | Rs 49,020 | 4.90% |
| Equitas SFB | Rs 58,000 | Rs 18,096 | Rs 39,904 | 3.99% |
| Suryoday SFB | Rs 56,250 | Rs 17,550 | Rs 38,700 | 3.87% |
| AU SFB | Rs 45,500 | Rs 14,196 | Rs 31,304 | 3.13% |
| SBI | Rs 25,000 | Rs 7,800 | Rs 17,200 | 1.72% |
The SFB advantage shrinks by ~31% after tax but remains substantial. Unity SFB still earns Rs 31,820 more than SBI post-tax on Rs 10 lakh. The gap just narrows from Rs 46,250 (pre-tax) to Rs 31,820 (post-tax).
Under old regime, 80TTA exempts Rs 10,000 — saving a maximum of Rs 3,120/year. Read the full breakdown in our savings account interest tax guide.
SFB Savings vs Liquid Funds vs Overnight Funds (Post-Tax)
Since 2020, liquid fund gains are taxed at slab rate — same as savings interest. No tax advantage anymore.
| Product | Pre-Tax Return | Post-Tax (30% slab) | DICGC Coverage | Access |
|---|---|---|---|---|
| Unity SFB savings (Rs 10L+) | 7.50% | ~5.25% | Yes (up to Rs 5L) | Instant (UPI) |
| Suryoday SFB savings (Rs 10L+) | 7.50% | ~5.25% | Yes (up to Rs 5L) | Instant (UPI) |
| Liquid fund (top tier) | 7.0-7.4% | 4.90-5.18% | No | T+1 day |
| Overnight fund | ~6.0% | ~4.20% | No | T+1 day |
| SBI savings | 2.50% | ~1.75% | Yes (up to Rs 5L) | Instant (UPI) |
SFB savings accounts at the top slab now beat liquid funds on post-tax returns while offering DICGC insurance and instant access. The only advantage of liquid/overnight funds is diversification — your money is spread across multiple issuers, not concentrated in a single SFB’s creditworthiness.
The Neobank Trap: Most Fintech Apps Don’t Use SFBs
If you downloaded Jupiter or Fi thinking you would get SFB-level interest, check your backend bank.
| Fintech App | Partner Bank | Actual Rate | Is It an SFB? |
|---|---|---|---|
| Jupiter | Federal Bank | ~3.0% | No — private bank |
| Fi Money | Federal Bank | ~3.05% | No — private bank |
| Niyo Global | SBM Bank / DCB Bank | Varies | No |
| Freo (Freo Save) | Equitas SFB | Up to 7% on Rs 5L+ | Yes |
| Slice | Slice SFB (owns the bank) | Varies | Yes (merged with NESFB) |
Jupiter and Fi are not SFBs. They are interfaces on top of Federal Bank, which pays standard private bank rates. Only Freo (Equitas SFB) and Slice (owns its own SFB) offer actual SFB savings rates.
Neobank Fine Print Issues
- Jupiter: IMPS charges from the 6th transaction onward. Debit card rewards require Rs 10,000+ balance. Rs 100 charge per incorrect PIN entry. Federal Bank T&Cs override Jupiter’s terms.
- Fi Money: Despite “zero balance” marketing, needs Rs 20,000 to maximize benefits. Conditions buried behind links to Federal Bank terms.
- Niyo: Failed to notify customers during RBI-imposed LRS ban in January 2023.
- Freo: Misleading “safer than savings accounts” claim without substantiation.
Always read the partner bank’s terms and conditions — the neobank’s marketing is not the legal agreement.
What Big Banks Give You That SFBs Cannot
Higher interest is not the only factor. Here is what you trade away:
| Feature | Big Banks (SBI/HDFC/ICICI) | SFBs |
|---|---|---|
| Branch network | 8,000-22,000 branches | 600-1,000 branches |
| ATM network | Extensive own ATMs | Rely on shared networks |
| Credit cards | Full range | Only AU SFB offers cards |
| Salary account suite | 4-8 variants with bundled benefits | Basic, limited |
| NRI banking | Full NRE/NRO/FCNR suite | Limited (Unity, Ujjivan only) |
| Sweep-in FD | Well-established, flexible thresholds | Limited or unavailable |
| App reliability | Mature, high uptime | Reports of freezes, crashes |
| International banking | Full forex, trade finance | Minimal |
App Quality Reality Check
- Ujjivan SFB: Users reported the app not opening for nearly a month, stuck on loading screen
- AU SFB: App stuck on splash screen regularly, requiring uninstall and reinstall
- Suryoday SFB: 3.2-star Play Store rating with 2.15K reviews
If you need your bank for daily transactions, bill payments, salary account integration, and credit cards — a big bank still makes sense as your primary account. The optimal strategy is to use an SFB as a secondary parking account for surplus cash.
The AU SFB Universal Bank Transition: Why It Matters
AU Small Finance Bank received in-principle approval for universal bank conversion in August 2025 — the first SFB to do so. RBI waived the NOFHC (Non-Operative Financial Holding Company) requirement in March 2026.
What this means for depositors:
- Rates will likely drop. Universal banks (HDFC, ICICI, Axis) pay 2.50-3.25% on savings. As AU transitions, it may align rates with peers.
- Safety improves. Universal bank licence comes with stricter supervision, higher capital requirements, and stronger governance standards.
- Services expand. Full credit card range, comprehensive NRI banking, trade finance — things SFBs cannot offer.
If you chose AU SFB for the 6.50% savings rate, that rate is not permanent. Lock in FD rates for guaranteed returns while AU’s savings rate is still competitive.
The Microfinance Crisis: The Elephant in Every SFB’s Room
SFB gross NPAs surged from 2.5% to 9.4% in a single year (March 2024 to March 2025). The trigger: microfinance stress.
- Microfinance sector GNPA hit 16% by March 2025 (from 8.8% in 2024)
- Portfolio at Risk (31-180 days) spiked from 5.4% to 7.2% — highest among all lender categories
- SFBs are required to deploy 60% of lending to priority sectors (including microfinance)
Which SFBs Are Most Exposed?
| SFB | Microfinance as % of Loan Book | Current GNPA | FY25 Profit/Loss |
|---|---|---|---|
| Ujjivan SFB | ~45% | High | Stressed |
| ESAF SFB | High concentration | 6.9% | Net loss Rs 521 Cr |
| Suryoday SFB | High concentration | 8.5% | Net loss (Q4 FY25) |
| AU SFB | Lower (diversified post-Fincare merger) | Low | Profitable |
| Equitas SFB | Moderate | Moderate | Under pressure |
Analysts expect “a significant shakeout in this segment with a few exits and some mergers.” The SFBs most aggressively offering high savings rates are often the ones most desperate for deposits to fund stressed loan books.
This does not mean your DICGC-insured Rs 5 lakh is at risk. It means the interest rate you are earning may not last — and SFBs in trouble may get merged (like PMC Bank into Unity SFB or Fincare into AU SFB), potentially changing your account terms overnight.
The Optimal Strategy: How to Actually Structure This
If you have up to Rs 5 lakh in savings
Keep it in one SFB with a strong profile. Equitas SFB offers 5% from Rs 1 lakh onward with no minimum balance penalty. Unity SFB pays the most but carries governance risk. AU SFB is safest but pays only 2.50-2.75% at this balance level.
Best pick under Rs 5 lakh: Equitas SFB (5% on Rs 1-10 lakh, no AMB penalty, A1+ rated)
If you have Rs 5-25 lakh in savings
Split across 3-5 SFBs, Rs 4.50 lakh each. Full DICGC coverage on everything. Pick SFBs with different risk profiles — not all microfinance-heavy:
- AU SFB (safest, lowest rate)
- Equitas SFB (good rate-risk balance)
- Unity SFB (highest rate, highest risk — only within DICGC limits)
If you have Rs 25 lakh+ in savings
Do not keep Rs 25 lakh+ in savings accounts. Even at 7%, a savings account is suboptimal for large corpuses:
- Park Rs 15-20 lakh in the multi-SFB strategy above (full DICGC coverage)
- Move the rest into a sweep-in FD ladder at a big bank for better rates with auto-liquidity
- Consider liquid funds for amounts above your DICGC-coverable threshold — diversified credit risk beats single-bank concentration
- Build a proper emergency fund split across instruments
For everyone: keep one big bank account
Use SBI, HDFC, or ICICI as your primary operating account — salary credits, bill payments, UPI, credit cards. Use SFB accounts purely for parking surplus cash at higher rates. This gives you the best of both: big bank reliability for daily life, SFB rates for idle money.
RBI’s Rate Cuts Make This Decision More Urgent
RBI cut the repo rate by 125 basis points in 2025 (from 6.50% to 5.25%). Big banks responded immediately — HDFC and Axis cut savings rates by 25 bps each.
SFBs have held rates so far. They need deposits to fund their loan books, so they resist cutting. But history shows SFB rate cuts come suddenly and in larger increments when they do happen.
The window for 7%+ savings rates at SFBs may not stay open indefinitely. The combination of:
- RBI rate cuts reducing the overall interest rate environment
- AU SFB’s universal bank transition setting a precedent for rate reduction
- Microfinance stress pressuring SFB profitability
…suggests that current SFB savings rates are at or near their peak for this cycle.
SFB Deposit Growth: Small but Fast
| Metric | SFBs | All Scheduled Commercial Banks |
|---|---|---|
| Deposit CAGR (FY22-25) | ~34% | ~10-11% |
| Total deposits (December 2025) | ~Rs 3.77 lakh crore | Rs 220+ lakh crore |
| Market share | 1.1% | 98.9% |
SFBs are growing deposits 3x faster than big banks — but from a tiny base. They represent just 1.1% of total banking deposits in India. The growth rate confirms that more Indians are discovering the rate arbitrage. Whether SFBs can sustain these rates as deposits grow and competition intensifies is the open question.
The Bottom Line: A Decision Matrix
| Your Priority | Best Choice | Why |
|---|---|---|
| Maximum safety, no hassle | SBI or HDFC Bank | AAA rated, 22,000+ branches, zero claim history |
| Best rate within DICGC limits | Unity SFB (Rs 4.5L) | 7.25% from Rs 1 lakh, fully insured |
| Best rate-risk balance | Equitas SFB | 5% from Rs 1L, no AMB penalty, A1+ rated |
| Safest SFB option | AU SFB | AA rated, universal bank approval, but lower rates on small balances |
| Large corpus (Rs 25L+) | Multi-SFB split + FD ladder + liquid funds | No single instrument is optimal for large amounts |
The 2.50% vs 7.25% headline is real. The DICGC coverage is identical. The risks are manageable if you stay within the Rs 5 lakh limit per bank and choose your SFBs based on financial health, not just the highest advertised rate.
Your savings account is probably the lowest-effort financial decision you will make this year. Moving Rs 5 lakh from SBI to an SFB takes one afternoon and earns you Rs 1.34 lakh extra over 5 years. The math speaks for itself.
For a full side-by-side comparison of every major bank and SFB — including minimum balance penalties, hidden charges, ATM limits, and digital banking features — see our complete bank comparison table for India 2026.
Before choosing a bank based on interest rate alone, check the real cost of banking there — ATM charges, IMPS fees, SMS alert costs, and minimum balance penalties can wipe out your interest advantage. See our ATM charges and hidden bank fees guide for exact numbers.