<prompt> Human: Long story short: tired of having the 1500 locked in there, its virtually untouchable without paying fees if the minimum balance required drops. Im starting my own business and will open a BoA small business checking account where I will transfer that money to, and also apparently BoA biz checking has no minimum balance requirement as long as you spend 250month on their cards which I easily will. So now my question is, am I making a bad decision by closing my personal checking account? I was thinking maybe opening one with TD bank or something and just throw 100 in there because BoA holding 1500 just seems stupid to meedit: seems like people are misunderstanding. I am not dumping BoA and do not know why I should either since I never had any issue with them. I am simply closing down my personal account due to the 1500 held hostage, and opening a business checking account with them where I can move my money freely and even drop the balance to 0 if needed according to their website and a rep on the phone without the monthly fee as long as I spend 250mth. So in the end, I am gonna be holding way way more money with BoA through their biz account  <response>: Yeah, there are plenty of banks out there with no fees, especially local credit unions. 