<prompt> Human: Tldr: direct deposit waives checking monthly maint fee, 25 or more transfer to savings waives the 5 monthly maint fee. Bank smart and you wont have to pay any fees. I personally have never had to pay a maint fee on any of my accounts, and Im not rich. Average Starbucks barista who lives mostly paycheck to paycheck. Not advocating for BoA nor do I work for them, simply wanting to give a tip on getting around the fees since I havent seen them in the comments. Sure you can switch banks, but if youre someone like myself who has an 11 year old account with a bank, the longevity towards credit stability means its worth it to stay.With checking its direct deposit that waives the fee. Setting up direct deposit for checking means BoA wont charge you the monthly fee to maintain the account.The recent post about the savings account and 5 monthly fee, I set up a 25 transfer into my savings each month at the end of the month. Setting up a transfer of a min of 25 or more waives the bank fee and in my case encourages me to actually save more, as Ive found it comes in handy being able to transfer that money right back to checking if and when neededWhatever you choose to do, remember what affect it will have on your credit. My accounts are over 10 years old and shows stability banking. Dont just rage quit over a new change, learn the most you can about the change and decide whats best for you in the long run. I know many people seem to be saying go to a local credit union, however the availability of atms is more scarce and there are holds on checks and other fees even credit unions have. Assistant: someone like myself who has an 11 year old account with a bank, the longevity towards credit stability means its worth it to stay.The age of your savingschecking accounts has no effect on your credit. Human: Might also be worth noting I have 2 credit cards open with bank of america. One in just my name and one my husbandmyself share. So closing those in addition to checking and savings if I were to switch banks would likely affect my credit score. Doesnt make sense to me to have credit cards open with one bank and a checkingsavings at another bank.  <response>: Doesnt make sense to me to have credit cards open with one bank and a checkingsavings at another bank. Why not? Many people have credit cards with several different banks. This is normal, in fact encouraged by the banks who would rather you use one of their products, than zero. I pay all of my credit cards with bill pay through Ally I do not have their credit card and the e-payments hit my account the next day. 