Do not be afraid to ask for a break from excessive bank fees.  If you have bounced a check for the first time ever, need a copy of an old monthly checking account statement, or even think the fees for your mortgage application are a bit high? Depending on the circumstances, your bank might be willing to reduce or waive a fee or penalty, especially if you have been a good customer and do not have a history as a repeat offender.  Ask first, the worst that can happen is the bank denying the request and charging the same fee as usual.  If  the bank will not bend, it may time to comparison shop for better bank services.

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