I know this goes without saying, but Banks suck. We don't fight against them hard enough. Just got a notifciation from a large bank I rarely use, but have account there so I can use a line of credit. They changed their policy. you must keep $1,500 instead of $500 cash in checking, or be forced to pay $15/mo when it used to be $10/mo for less than a $500 balance.
Stack harder my friends.