They just keep coming. A new junk fee I recently came across. I am often asked what is your rate? It’s not about one rate, one needs to look at the sum of the total. Here is another example of another “junk fee”. ‘Monthly Funding Advantage’ is a made up fee. Also, I am seeing a new junk fee called “EMV non-enabled Fee” at a rate of 3 basis points. This fee will hit restaurants that do not have a POS to accept Chip Cards.

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