UX sits at the intersection of business goals and user needs.

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A reasonable business goal might be to make a profit.

A reasonable user goal might be to save money.

You see the problem here…

So while fees are annoying to the user, they’re also necessary to keep this thing going. Sorry.

Therefore, the aim of good UX is to make fees:

  1. as painless as possible
  2. as clear as possible.

You can do this, if you:

  1. Show the fees up front
  2. Explain the fees in real terms
  3. Combine fees if the exact breakdown is confusing.

1. Show the fees up front

Better to just be honest about it. Nobody likes hidden fees. Be open and list the fees near the actual deposit box, and near the apy. You can always add a tooltip to soften the blow or explain what they’re for.

<aside> 💡 Tip: The proximity principle means we associate nearby things as being related.

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