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Bank of America has announced that it will begin charging an annual fee ranging from $29 to $99, even if you have no balance or have paying off your balance in full every month. It's not just credit cards. Banks like Wachovia are now charging fees to their customers who have a savings account! Inactivity fees, dormancy fees, maintenance fees..banks are charging all kinds of fees to make money on top of the money they're already making for holding your money! Amazing!

Carmen Wong Ulrich, personal finance expert and host of CNBC's "On The Money", joins Montel to discuss the latest barrage of fees from banks and credit card companies, and what to do to both avoid fees and where to put your money.

Listen to a portion of the interview below and check out the full interview to hear Carmen's advice on the job market, the financial markets, and President Obama's handling of the recession going forward. The full interview is available here http://airamerica.com/ondemand/10-21-2009/the-full-interview-with-carmen-wong-unrlich/