<prompt> Human: Ive grown tired of the bank taking between 15-50 per month for maintenance fees and whatever else they do. I have been getting paid in cash and am curious if anyone has a good system for saving their cash at home. Ive read about all sorts of envelope systems and whatnot. I am 27F and live very frugally, I dont go out and spend money like I used to two years ago. I mainly cook at home and am very conscious about each and every purchase I make. I always make sure to pay cash for gas, groceries and have not used my credit card in about 5 months paying that off...I was always wary of keeping cash at home in fear that id spend it but I think im ready to begin relying less on the bank. All tips and personal anecdotes appreciated!  <response>: Ive grown tired of the bank taking between 15-50 per month for maintenance fees and whatever else they do.At the very least, you shouldnt do business with a bank that imposes low-balance fees or other monthly fees on basic checking and savings accounts. If youre overdrafting and paying fees for those transactions, thats another story.Try looking into smaller banks, credit unions, or online banks, and see if you cant find an institution that doesnt charge maintenancelow balance fees that works for you. As a bonus, many institutions, even brick-and-mortar ones, offer higher savings account rates than most of the big national banks. 