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<p>[QUOTE=&quot;KLJ, post: 45282, member: 1910&quot;]Banks make their profit on interest charged to mortgages, car loans, business loans, their credit cards, and the like.&nbsp; Small savings and checking accounts like you and I have actually cost them money because all the bank does is provide us a service by storing our money, paying us interest and processing our checks (or cheques, if you prefer), with nothing in return from us.&nbsp; The banks even have to hire bean-counters to maintain our accounts, with all the attendant costs of hiring an employee.&nbsp; And our small accounts don&#039;t add much to the available capital a bank has to loan.&nbsp; They have to set a bottom line somewhere, and most banks do.&nbsp; Some may be nice and require that minimum only of new accounts, but they don&#039;t have to, and there is nothing immoral about setting the minimum.&nbsp; I will concede it&#039;s annoying, but it&#039;s the price of doing banking in a connected world.[/QUOTE]</p><p><br /></p>

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