<prompt> Human: First time posting, sorry if its confusing.26 yo, 60k annual income and no debt whatsoever. 403b and roth IRA started last year with vanguard, taxable mutual fund at 9k pretty aggressive in terms of stockbond, and 5k in an Amex high yield savings account. MAIN QUESTION: I have a bank that requires me to have 15K in it to avoid fees, and so far I have my 9k mutual fund in it and 7k just sitting in the checking account. I had a 100K investment with this bank that I recently sold and this is why the 15K minimum is an issue now. Should I:a downgrade the account will only need a 1.5k depositmonth which is 100 doable and take most of the money out and fully fund my roth IRA for the 2014 year. This would free up money Ill be earning later that Id like to place in my online savings account or somewhere for a house down payment.OR b keep the current requirement of 15K total.if I should do choice B, would you guys take 6K and invest it in that account? My goal is along-term investment that I dont plan on touching for years. I was looking into putting majority into an ETF or mutual fund and a small portion into municipal bonds or REITS but i was told REITS arent great in taxable accounts. What categories of stocksbondsetc should I look into?EDIT: Consensus: this bank account sucks. So, ill downgrade it and simply keep it for the ATMs and auto-deposit. Will then fund my 2014 roth IRA, and possibly open a new account with schwab or some credit union more ATMs, more checks, etc. BUT WHY ARE MOST SAYING TO CANCEL THE BANK ACCOUNT? I find that unnecessary  <response>: Ditch that bank. 