Customers often find it difficult to select a bank due to poor disclosure practices, according to a new WalletHub study of checking-fee transparency. The average checking account bears 30 different fees, with some charging 50 or more. Some banks list the fees on their checking-account web pages, but others only offer dense fee schedules that customers must comb through in order to know what fees they are being charged. Capital One and Fifth Third are the only two banks that received perfect scores for transparency, by either disclosing or not charging all of the “key fees” that the survey tracked and by making their fee information clear and easily accessible. Out of 25 banks included in the study, five did not make their schedule of fees available online before a customer submits an application for an account; and they were the lowest-scoring institutions in the survey. M&T Bank did not provide a schedule of fees anywhere on its website and had the lowest overall score.