A $15 monthly fee left the checking account. In Pruvon, that charge files to Bank fees. It is a cost of keeping the account. It is not a transfer between your own accounts. Pruvon does not file tax returns and is not a CPA firm.

Bank fees file to Bank fees

Monthly service charges, wire fees, overdraft fees, and ATM charges are costs of keeping the account open and moving money. When they appear in your Pruvon feed, file them to Bank fees. The amount stays as the bank posted it. You are organising viewed bank data, not rewriting the statement. Pruvon is not a CPA firm and does not provide tax or legal advice.

A fee is a cost, not a transfer

Transfers move balances between your own accounts. Fees reduce cash for the privilege of banking. Mixing the two hides how much the account itself costs each month. If the description says service charge, analysis fee, wire fee, or NSF, treat it as Bank fees even when the merchant field only shows the bank name.

  • Overdraft and NSF charges belong in Bank fees, not Misc.

  • Analysis fees and account service descriptions stay in Bank fees even when the merchant is only the bank name.

  • Fee reversals usually follow Bank fees so the net cost of the account stays clear.

  • Monthly maintenance or account service charges belong in Bank fees.

  • Wire, ACH return, stop-payment, and similar processing fees belong in Bank fees.

  • ATM and cash-advance bank fees belong in Bank fees, not Office or Misc.

Block Quote

Bank fees are the cost of the account. Do not file them as a transfer between your own wallets.

Steps to file a bank fee

  1. Spot the service charge, wire fee, overdraft, or ATM line in the month you are closing.

  2. Read the bank description before you file — a fee is a cost, not a transfer.

  3. File to Bank fees and leave the posted amount alone — bank data is viewed only.

  4. Find the fee line in the feed. Match the amount and the bank description to your statement.

  5. Set the account to Bank fees. Leave the dollars and date untouched.

  6. Save a rule for recurring service charges so the next month lands in Bank fees automatically.

After filing, Bank fees should collect every charge that exists only because you hold or use that account. Do not push those lines into Software, Owner draw, or a clearing account meant for transfers. If a fee later reverses, the credit should usually follow Bank fees as well so the net cost of the account stays clear.

Review Bank fees when you compare account products or decide whether a cash-heavy month was worth the service plan. The account exists so those small outflows do not disappear into Misc. Keep the bank amount unchanged. File the cost where it belongs. That is enough for clean monthly views of what banking itself costs the business.