Exactly . I ' ve been paying those fees mostly out of laziness . My end goal was that Schwab account since , the last time I researched , it was considered one of the best . IRC , it hadhas the highest interest which i know is marginal considering it ' s a checking account but nice to have and no minimum balance . The minimum balance is the majority of the fees I pay . I ' m slowly building that rainy day fund in another savings account I probably shouldn ' t . It ' s a psychology hack for me . Not being able to immediately access my savings is the only way for me to not spend it . Anyway , thanks for the advice . I think I just need to find something locally . <| sep |> Nice troll <| sep |> The Christmas my uncle committed suicide .