We’ve all looked at our bank statements and have gotten annoyed by all the fees we pay each month. Some economists are sounding the alarm bell that you may eventually be charged a fee just to make a deposit.

They say it could happen if interest rates here drop down to negative territory like they have in Europe. But Steve Scurlock at the Independent Bankers Association of Texas told KTRH you shouldn't worry about this... yet.

“At this juncture it’s highly unlikely for consumers here to be facing negative interest rates. There’s lot of liquidity in the system,” Scurlock said.

Texas economist Ray Perryman agrees.

“This is not something you need to be concerned about. The Federal Reserve is starting to bring policy in line with a growing economy. That will lead to increasing interest rates,” Perryman explained.

Perryman told KTRH it comes down to one thing. We are not Europe.

“Europe is in a desperate situation that we are not in,” Perryman stated.

Scurlock says we are doing better than the Europeans.

“Their economic recovery has lagged behind ours. We’re in better shape than we were four or five years ago,” Scurlock stated.

But Scurlock admits that at some point we could see fees go up a little bit, as they tend to do from time to time. But that isn't going to happen anytime soon, and certainly not the way some have theorized that it would.