<prompt> Human: Bank of America has recently been bugging me about opening a savings account. I have the money but Im afraid they will catch me with hidden fees. I plan on probably really not touching it and maybe making that as a separate big spending only type of money vault, but is it a smart idea to do this? Right now I really only have two checking and 1 credit account with BoA advice is welcomed.  <response>: You should check out rchurning 