<prompt> Human: I just opened up a Roth IRA with Vanguard and accidentally opened a brokerage account when I signed up. The brokerage withdrew some money from my checking account and Im not able to take it out yet because its still verifying my bank account. I was reading over my receipt and they told me theyre ganna charge me like 20 bucks a year to service my account and I dont even want to use it I just wanted the Roth IRA.Should I withdraw all my money out when I can and call to delete my account or leave it open with no balance or 1.00 balance? Im just worried that Ill get charged the service fee for having the account open with money in it even if I dont use it. Sorry, noob question, trying to figure this all out. I just finished a book on personal finance to get started and avoiding fees was practically branded on every page.If Im not charged a service fee, should I keep the account open for future investing? Im not sure how the taxes and fees work and still learning. Thank you!  <response>: Regarding the fee, see this excerpt below copied from this web page For nonretirement accounts, UGMAsUTMAs, traditional IRAs, Roth IRAs, SEP-IRAs, and education savings accounts ESAs: Vanguard charges a 20 annual account service fee for all brokerage accounts and for each Vanguard mutual fund with a balance of less than 10,000. As the primary account owner, you can eliminate this fee by signing up for our e-service package. This allows you to receive statements, annual privacy notices, confirmations, and fund reports and prospectuses for mutual fund and brokerage accounts electronicallyContact their customer service regarding the brokerage account thing. I may be wrong, but I recall Vanguard changing the account structure so that stocks and mutual funds can be put into one account, instead of separate accounts. 