Most bank customers don’t pay overdraft fees, according to a new survey released by the American Bankers Association.

The survey found 77 percent of consumers haven’t paid any overdraft fees in the last year, while 21 percent said they paid one or more. Two percent weren’t sure if they paid an overdraft fee.

"The majority of consumers continue to avoid paying overdraft fees despite current economic conditions," said Nessa Feddis, ABA senior federal counsel and retail banking expert. "This is good news and a sign that most consumers are managing their personal finances well."