They are not useless fees. They are how the bank generates revenue so it can at least break even on tiny accounts. Just the regulatory burden of an empty bank

They are not useless fees. They are how the bank generates revenue so it can at least break even on tiny accounts. Just the regulatory burden of an empty bank account is $100-$200/year, so they need a way to recover that. In general, if you do enough business, there is a way the bank can do that without charging fees, but you need to set your accounts up right.