• Phone: 856-848-8040 | Fax: 856-848-9767 | Toll Free: 866-BANKFEE | E-mail: info@fedibacco.com

  • Are your profits going to your bank instead of your shareholders?

    Let F.E. DiBacco perform a personalized zero-risk analysis to help realize hidden savings 

    The business of hidden bank fees

    As the premier consulting firm for reviewing bank fees, F.E. DiBacco, Inc. (FED) has been saving clients millions of dollars for decades by focusing on one thing and one thing only: reducing unnecessary operating costs from overpriced, unneeded and unbundled fees associated with banking. With a focus on identifying and correcting these issues, FED has saved its clients more than a quarter of a billion dollars cumulatively.

    A bank’s monthly invoice is the most complicated bill ever created. Banks keep invoices voluminous and overly complex to ensure the average client will have little ability to discover the multitude of hidden fees, often for services the bank isn’t even providing. Unearthing these illegitimate fees requires seasoned professionals who understand how banks operate and are able to drill down, unravel and decipher the complex invoices issued each month.

    More lies beneath the surface than is apparent

    Several businesses claim to provide bank fee consultancy services, but only FED provides an extensive, all-encompassing deep-dive and has a decades-long track record of doing so. Others claim to perform thorough bank-fee analyses, but in reality, they only address the “tip of the iceberg.”  FED’s narrow and unique specialization prompted FED to obtain a U.S. patent for its proprietary methods. The fact that it took the U.S. government six years to complete its research and grant the patent indicates how complex the process of analyzing bank invoices actually is. While others offer a multitude of services and are satisfied reviewing the “tip of the iceberg,” FED has spent years honing its skills and systems and is the only service specializing in the savings that lies “hidden beneath the surface.” 

    What We Do

    \

    Perform a comprehensive no-cost analysis of your current banking relationships using our proprietary database to identify opportunities for your company to reduce fees and generate savings.

    Review the different Product Groups in every account— ACH, Check Paid, Deposits, Information Reporting, Lock Box and Wire Transfers, and much more. No opportunities to reduce fees are bypassed or overlooked.

    From the analysis, we identify ways to quickly realize savings by reducing your expenses and enhance cost-efficiency. We do ALL the work  – from analysis to final solution, so there is little-to-no time investment from you or your staff.

    Join you in meetings with your bank to implement our recommendations and renegotiate your current fees, to reduce future spend.

    • Overview
    • 1956
    • 1977
    • 1991
    • 1993
    • 2000
    • 2006
    • present
    • Fran Starts

      Explore this brief timeline covering FED’s history and evolution…
    • Consulting

      Founder Fran DiBacco begins his career in bank operations, gaining valuable experience and insights into exactly how banks conduct business.
    • Negotiating

      Fran shifts his career from working at banks to offering banks consulting services, starting a 14-year business consulting for hundreds of banks across the country.
    • Consulting 2

      Fran assists colleagues in negotiating unfair banking fees imposed on their businesses, leading him to begin consulting to municipalities, universities, and corporations to help them control excessive fees. Chairman of the House Bank Committee invites Fran to share his thoughts on the recent Savings and Loan crisis with the Committee in Washington DC.
    • Software

      Fran develops a customized solution to automate and track monthly bank fees, building a proprietary database of customary bank fees sourced from analyses of its clients’ banks, both large and small.
    • Investors

      F.E. DiBacco applies for a U.S. patent for its proprietary bank-fee analysis system and secures investors to form F.E.DiBacco, Inc., Bank Depository Services Consultants.
    • Apply

      After a six-year review, the U.S. patent office grants F.E. DiBacco a patent for its proprietary bank-fee analysis system – a timeframe demonstrating how complex the business of monthly-bank-invoice analysis is.
    • Patent

      F.E. DiBacco, Inc. continues to identify unnecessary fees buried within the bank’s invoice and reduce monthly expenses to help clients realize savings… all at no risk. This process is known as Fair and Personalized Pricing (FPP).

    Join our list of satisfied clients

    Client List

    Whether retail, manufacturing, utility, government, healthcare, insurance or entertainment, F.E. DiBacco helps businesses in multiple industries reduce monthly fee expenses to put them on the fast-track to reasonable fees and ongoing cost savings.

    F.E. DiBacco is the premier firm for bank fee reviews.

    We specialize in nothing else.

    Who is F.E.DiBacco, Inc.?

    Using his extensive banking experience and proprietary database, founder Fran DiBacco has revolutionized bank fee review and analysis. The company’s comprehensive review requires commitment and a singular focus in addressing the unfair burden banks place on companies. Of course, you must pay fees for the services that banks provide, but it must consist of Fair and Personalized Pricing (FPP).

    Fran spent 21 years in banking before starting a consulting business in 1977. In 1991, he was invited to appear before the House Banking Committee during the Savings and Loan crisis. His methodology was granted a patent in 2006. Throughout his career, he’s attended more than 1,000 successful bank meetings on behalf of clients and continues to be personally involved in all projects.

    When Fran started in banking decades ago, there were 25-50 different bank charges; today there are more than 2,500 AFP charges– so many that no corporate finance team has the bandwidth to examine them. The banks would like to keep things complicated so you can’t possibly uncover the illegitimate fees buried in those monthly invoices… but F.E. Di Bacco has other plans.

    Why Consider F.E.DiBacco, Inc.?

    • Singular focus | F.E.DiBacco is the premier consulting firm specializing in one thing only: reviewing bank fees.

    • Comprehensive | FED’s review of bank fees encompasses all aspects of bank operations, not just price comparisons. Every client subsidiary account (no matter the quantity) is manually inspected for line-item errors, unbundled fees, volume discrepancies and overall account efficiency.

    • Fee structure | FED is paid on a 100% contingency basis. FED’s rates are calculated only when savings are realized. (If we weren’t finding hidden savings on a regular basis, we’d be out of business!).

    • Unparalleled approach | With data from more than 15,000 live analyses in our data base and highly experienced staff, FED’s knowledge base and approach to fee analysis is unmatched. Benchmarking by average price & weighted average price tells a truer story of your specific banking situation. We do all the work, requiring little time investment from your staff.

    • No Risk | F.E. Di Bacco, Inc. will perform review/analysis at no cost. You are not obligated to pursue savings once data on potential savings has been presented. So, there’s absolutely no risk to you and no negative impact to your annual budget.

    Your path to savings can begin today…

    Call us today at 856-848-8040  or Toll Free 866-BANKFEE

    You can email us directly at info@fedibacco.com

    Or simply complete the form below and one of our representatives will follow up.