Look, fees can be avoided by not using debit cards for purchases when banking with banks. I did it before without peril and I can do it again without peril. The debit cards are safer, easier and sometimes far too easy. Their convenience allows for computerized records, but, if keeping a ledger turns out to be cheaper, which it will be, than I'll go back to keeping a daily ledger at the end of the day. Doing so is like a diary to reflect on anyway and really acts to blunt impulse buying. It looks as though "Shoppers Anonymous" has a new friend.
