As a HN member, there is a high probability that you receive a comfortable salary. Please realize that this probably puts you in a position of (some) privilege

As a HN member, there is a high probability that you receive a comfortable salary. Please realize that this probably puts you in a position of (some) privilege when you interact with banks. For much of the country that lives paycheck-to-paycheck, paying rent and buying food/gas take priority over maintaining the minimum balance that is usually required in accounts that pay interest.