<prompt> Human: After discovering the 12mo theyve been charging me for my formerly free checking, Im moving to a different bank. Is there anything I should be aware of when I go to close the account? I trust them about as much as my account has an effect on their bottom line. Im worried Ill close it then have to fight overdraft fees from their account maintenance fees overdrawing my closed account.  <response>: Yes. leave some cash in there so when they hit your account with a 5 dollar maintenance fee it dosent overdraft. I got a 600 dollar collection notice once for this; they let it go and build up, charging a monthly maintenance fee and overdraft fee each month for several months, during which, they never notified me once. I didnt move, didnt change my phone or email, nothing. BoA can DIAF. 