<prompt> Human: So Im currently 20 years old and in college. I have a checking and savings account, as well as a couple of credit cards. I had opened my savings account in high school to help save money for college, but once I got to college I havent really been putting money in consistently. Normally what I use my savings for now is to hold the extra money I take output aside for bills, like water, electricity, internet, etc. Every month I withdraw the money needed from the account and pay my part of the bills. I have Commerce Bank, and with the savings account I have if I dont have over 300 in it I get charged a fee. As the semester is coming to an end, I have less than 300 in there and have started being charged a fee when I move money over. My question is, should I cancel my savings account? Im not putting money in for a long term savings. Im basically using it to differentiate what money is for spending and what money is for utilities. I know I could keep it in my checking, but I liked the idea of having a separate account to make sure I dont spend any of the money for bills. The other factor of this, is that I will be graduating from college here in about a year and a half. Once I get a full time job, Im going to want to reopen my savings account and start putting money back in there. So should I close my savings account? And if so, are there other accounts or options to help differentiate the money Im using for bills and the money I have to spend?  <response>: Close the account immediately and find a new fee free bank or CU. There are plenty out there. You should never allow a bank to charge you a fee for holding your money 