<prompt> Human: I see a TON of advertisements from companies asking me to open an IRA with them. Im suspicious, because I know you wouldnt advertise something you dont profit from. Arent they just tax free investment accounts? Are the kinds of fees I would get the normal bank account kind overdrafts, etc? My money sense steers me away from them every time I see an ad.  <response>: Depends on what you do with the IRA. You can choose higher or lower fee products. 