This is what I hate about banks.  They now charge you a service charge for a savings acct unless you keep  X amt dollars in it.I withdrew some to buy a car. Leaving my bal low.  I earned $ 2.25 in interest and had a 5.00 S/Chg.   What is the point to having one ?   Im letting them use MY MONEY.  Its a loan in reverse.  Can I charge them 5.00 s/chg on a loan ?  NO