<prompt> Human: 1. I make 100-200 a day in cash at my job, but my paychecks are bi monthly 250. Will it be beneficial to go out if my way to deposit my cash?2. Because of this small checking number, my bank of America account is going to start being charged monthly in January. Ive had the account ten years checking and savings, but I want to close it for a credit union without the same fees. People keep telling me I should keep it since Ive been with them so long,but not why, and my history with them shows Im poorer than I actually am. Should I open a credit card before closing one never had one Im 26 Keep the account? Close the sucker?EDIT: thank you all so much! I appreciate your answers immensely. Although for me, unless my apartment is burned down I feel safer holding onto my cash, unless depositing it will help me in the long run somehow. I Will be going into the bank after the new year, absolutely telling them why Ill closing the account. BOA is monstrous no doubt. But I do truly want to begin a credit card account, Ive always been very good at being frugalfinancially responsible with a steady income, and my last credit check said that I didnt have any which way-despite paying off 6000 in government student loans, having various utility bills in my name. do you think getting one from BOA will be better than anywhere else because of our history?  <response>: Close that account with that shitty bank and get a free checking account for free at a CU. easy decision 