Most banks in the US either charge a fee, or waive it if you have enough money in your account(s). That too is a fee, as the interest they pay on your money is

Most banks in the US either charge a fee, or waive it if you have enough money in your account(s). That too is a fee, as the interest they pay on your money is many basis points lower than the interest they charge for lending your money to someone else. In my opinion, anybody that thinks they have a bank account "for free" doesn't know how to read financial statements. Banks are not charities.