<prompt> Human: Im gonna be 18 in five months. My bank is going to start charging me a monthly fee to use my checking and savings accounts. Banks already borrow my money, I dont want them to steal from me too. Are there any banks that dont charge for their services at least the required ones and will give me advice in my beat interests rather than whatever makes them more money at my cost?  <response>: Charles Schwab is the best bank I know of. 