<prompt> Human: I have a checking account Checking A and a savings account Savings A at the same credit union. Both were opened in 2003, and are my longest-standing accounts by far; my next-oldest account is 4 years old. I have retained these accounts because they anchor my Average Age of Accounts AAoA, and thus my credit score. I recently moved and opened a checking account at a bank in my new town Checking B. Both Checking A and Checking B have monthly maintenance fees that are waived when I schedule a monthly direct deposit pretty standard. Unfortunately, I only receive one monthly paycheck, and so can only qualify for a fee waiver from one of the accounts. I would prefer to make the direct deposit to Checking B, and so am considering closing Checking A to avoid the monthly maintenance fee. My Question: If I close Checking A, but retain Savings A, will my credit score be lowered significantly, moderately, or will Savings A continue to anchor my AAoA as though no change had been made? Note: I understand that a credit score is primarily a means to an end, and that many people post on rpersonalfinance with superficial or misguided concerns about protecting their credit score. For the purposes of this question please assume that I have a good reason for maintaining a strong credit score.  <response>: Checking and savings accounts are not lines of credit, so they dont affect your average age of accounts... 