<prompt> Human: Im moving to the US soon, and Ive been looking to open some checking accounts after reading the sidebar. Ive looked at a few accounts and Ive noticed some similar fees:What are Outgoing Wire Fees and why does it cost 30 to send funds?? How do you send money to others without paying tens of dollars? I think Ive even seen some accounts that charge you to receive money. Where I live ATM transfers are freeDoes paying bills also incur extra costs? Ive seen fees like Overnight Bill Pay and Same-Day Bill Pay for over 10. I guess this is only shocking because fees of over 1 are pretty much unheard of where I come from.  <response>: What are Outgoing Wire Fees and why does it cost 30 to send funds??Wire transfers are not how people in the US send everyday payments to individuals or businesses. They are for immediate fund transfers, normally in the 4 to 5 figures or more. Some banks also do slower wire transfers for cheaper. How do you send money to others without paying tens of dollars?You use services like SquareCashVenmoPaypal. Also many banks now have P2P payments for free, like Chase Quickpay. Does paying bills also incur extra costs? Mostly no, most US companies allow you to link a checking account and you can set up an auto-withdrawal for no charge. Those fees are for overnighting a check to ensure payment is made on time. As for ATM fees, yeah, this can be a big problem in the country. If you have a national bank Wells FargoBank of America, in 90 of the country youre going to find an ATM. If you belong to a bank like Capital One 360 or a credit union most will reimburse you around 20-30 a month for ATM fees. 