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Kenyon Ndezi
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Home Posts Banking Without the Fees: My Experience with Koho
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Banking Without the Fees: My Experience with Koho

  • March 30, 2023
  • Kenyon Ndezi
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Hey there, have you ever opened up your bank statement and felt your heart sink as you realized how much you’ve been charged in fees? It’s an all too familiar feeling for many of us. Bank fees can be a real pain in the wallet, and it’s important to understand what they are and how they can impact your finances.

Bank fees are essentially charges that financial institutions impose on their customers for various services. These fees can range from overdraft fees, ATM fees, monthly maintenance fees, and NSF fees, which are charged when a customer does not have enough funds in their account to cover a payment.

While some fees may seem small, they can add up over time, and if you’re not careful, they can eat away at your hard-earned money.

No NSF fees with KOHO

So, recently I decided to test out a new bank account from Koho (yes, the online only bank with no physical presence). I wanted to see if they were truly a no-fee bank, like they claim to be. And boy, was I in for a surprise!

Instead of transferring a few bucks to my new Koho account to pay for my gym membership, I intentionally left it empty. I was curious to see if Koho would charge me any NSF fees like a normal bank. And to my amazement, they didn’t!

Not only did Koho not charge me any NSF fees, but they also sent me a notification to let me know that there was a pre-authorized amount that needed to be sorted out. They even gave me a timer on when I could successfully make the payment without any issues. I mean, talk about customer service!

After that experience, I was sold. I’ve since moved most of my pre-authorized payments to my Koho account. It’s such a relief to know that I don’t have to worry about any hidden fees or surprise charges. And the fact that Koho keeps me in the loop with notifications and reminders is just icing on the cake.

Should you open an account with KOHO?

If you’re tired of dealing with annoying bank fees, I highly recommend giving Koho a try. Trust me, your wallet will thank you. And who knows, you might even start feeling enthusiastic about banking!

For a full review of Koho, click this link to read our article.

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Kenyon Ndezi

Kenyon Ndezi is a recent graduate, writer, creator of vividbay.com, and the owner of Neonbuild.com, which is a company focused on building apps for small businesses and individuals. Follow along and get inspired!

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