Victor Stango and Jonathan Zinman have published a paper titled "What Do Consumers Really Pay on Their Checking and Credit Card Accounts? Explicit, Implicit, and Avoidable Costs" . The authors say they're attempting to answer the following questions:
What do people really pay to use their bank and credit card accounts, and which components of cost are the largest? Of all the costs that people pay, which could they easily avoid by making different day-to-day choices? And how stable are both the level of costs and the share of costs that are “avoidable,” for a given person over time?