Many bank accounts are really expensive if you can't manage to reach the free tier. One of my local banks will take $6/month if you don't leave $100 in there. And if you're having trouble leaving $100 in your account, it can be pretty easy for a delayed transaction to trigger an overdraft, and then you've got even bigger fees. Do that enough times and either you'll swear off banks, or they'll blacklist you in chexsystems or both.