Bank fees have the power to make or break customer loyalty, according to a new survey from GoBankingRates.

Forty-five percent of Americans say that "low or no fees" is the banking feature or service that matters to them most, according the 2014 Banking Features Survey of 1,517 respondents. Online and mobile banking features are the highest priority for 17% of respondents. Convenient branch locations (14%), exceptional customer service (12%) and great interest rates (12%) also hold sway over many Americans.

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