How do you handle maintenance fee for you saving account? I know that the maintenance fee should be categorized under YNAB's interest and fee category. I have funded that category and the fee has been posted, but the deduction of the fee does not reflect in my budget, as I have my savings categorized as "DON'T TOUCH". Can someone please clarity for me how to make this deduction in my budget. Thank you all in advance.
Step 1, Budget for the fee. If you want it to come out of the money you've otherwise designated for savings, you'll move money from DON'T TOUCH to the interest and fee category. This will fix the overspending caused by categorizing the fee without budgeting for it in this month.
Step 2, To fix next month, open a savings account which has no maintenance fee and move all your money there before you get charged any more maintenance fees. There is no earthly reason you should pay for checking and savings in 2019.
This issue is caused your insistence that your savings account balance identically match a category balance. Read this to see how you can let the budget operate independently of where money is located.
+1 on switching accounts -- you shouldn't be paying fees for ANY account.
Enter the transaction in your savings account register and assign it to a category. I use a single category for a bunch of small miscelaneous fees: postage, customs, currency exchange, bank fees, the infrequent parking charge, etc.
This means that the amount in your DON'T TOUCH savings category may not be the exact same balance as the amount in your savings account. It's actually better for you if you don't make your category(ies) match specific accounts.