<prompt> Human: So if youre recently graduated, unemployed, or have another life event dont be surprised to see a 12 a month account maintenance fee if your account has a penny under 1500 at any time throughout the month.Edit: Congratulations to all the students graduating this month and the next. I know bank fees are the last thing you want to be concerned about while graduating and looking for a job, but its always important to stay on top of your personal finance and I hope this reminder has been helpful. I know many of you signed up for the account when you were sixteen. Im glad that this made the front page of Reddit and I thank the mods for stickying this for this month. If just one person saves some money from this reminder, Ill be happy.Edit 2: If you have a direct deposit of 250 every month from your job you will also dodge this fee. This post was targeted at the soon to be unemployed so that probably isnt relevant to you however. The comments are full of alternative banks and credit unions with no such fee if youre interested in switching, and this comment covers how many of the former loopholes people used to avoid this fee have been closed. I also saw a comment that there was a class action lawsuit when a certain amount type had this happen to them, so if youve never seen this fee you may have been grandfathered in under that account type.  <response>: There are a million banks out there and theyre not all appropriate for everybody. National banks with many services tend to have charges like BoA and Chase. However, theyll mail you foreign currency or they have ATMs nationwide. If you dont need this type of thing, just get a credit union or regional bank. This is your responsibility as a consumer. The big banks have their place and use. 