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$276
is what the fees turned on here cost in a year. Turn one off and the number changes.
Uncheck one fee. The year cost should drop.
That's 0.57% of your monthly income going to bank fees
If that same monthly amount earned an unchanged 7%. A sample, not a forecast.
The extra $1,221 is what the sample rate would add. It is not money already lost.
If the account does not earn the $276 a year, that fee is the one to drop.