<prompt> Human: The title pretty much says it all. My husband and I have made saving a huge priority this year so I have been monitoring our accounts daily trying to see where we are doing wasteful spending. Today I logged in and saw a little link on our checking account that said monthly service fee. I clicked and the box said monthly service fee to be applied if daily balance falls below ___ and direct deposit amount ___. Weve never had this before so this is something new.Weve been pretty fed up with Wells Fargo in general so I wanted to see if there was a great checkingsavings account others recommend that we can switch to? We have our mortgage through SunTrust Bank and have been looking into other accounts with them, but also looking at credit unions as well. What is the biggest benefit to a credit union vs. national big banks?Edited to add: We did have a requirement for direct deposit. We have direct deposit set up and never had an issue. The daily balance is the new requirement.  <response>: Edited to add: We did have a requirement for direct deposit. We have direct deposit set up and never had an issue. The daily balance is the new requirement. You should ask them to waive the fee once, since it is a new thing. 