<prompt> Human: Hello guys. Im pretty young if you couldnt tell, so I dont have a ton of experience with this stuff. My bank has apparently been charging me 12 bucks a month to maintain my checkings account, which Im not happy about because Im a student. I would like to close my account with this bank, and move it over to a credit union. However I have only a vague idea of how to do this My parents are busy with some of their own problems, so I thought Id ask here first.  <response>: Hmmm, Ive been having a similar problem. Ive had my checking account for about 10 years. Somewhere during that time they starting charging 6.95 for a monthly maintenance fee but this would always be waived a few days later. However I noticed a few days ago that for this month, and the previous two months, those maintenance fees have not been waived. I wonder if it could be due to my low balance since this is the lowest its been in about 5 years. Anyway, Ill probably call to ask about it and move to a different bank if I have to. 