text: Keep in mind many accounts will waive fees if a minimum balance is maintained. In many cases the fees waived would exceed what would be earned in savings account paying up to 2% interest. 
  
  Example, $5,000 @ 2% annual interest is a little over $100/year, so if fees waived are $8.50/month or more you are further ahead to maintain the minimum balance needed to waive the fees vs keeping the money in a savings account earning very little interest.