<prompt> Human: So right now Im out of work, have been for some months since January. Im 19 and live with my parents, I cant return to work yet until I get a surgery done. So Im broke, I have 1.00 in my checking a account. Every month I get charged the 5.00 access fee. Im currently at -11.55 in my savings account. Should I just close the account ?  <response>: Every month I get charged the 5.00 access feeI dont care if you were making 100k, close that shit. There are so many banks and credit unions that offer free checking that theres no reason to ever pay a fee for that. 