Bank without any charges putting foot down (4)
I believe the answer is:
reef
'bank' is the definition.
(I've seen this before)
'without any charges putting foot down' is the wordplay.
I cannot really understand how this works, but
'foot' could be 'f' (abbreviation) and 'f' is located in the answer.
The remaining letters 'ree' is a valid word which might be clued in a way I don't see.
This explanation may well be incorrect...
Can you help me to learn more?
(Other definitions for reef that I've seen before include "Coral or rock just below sea surface" , "Undersea ridge; reduce sail area" , "Type of knot" , "Coral-ridge" , "Rocky ridge near sea surface" .)