See, that's the thing. When you start compromising like that, that's when the nickel and diming starts incrementally getting worse and worse. Why would you voluntarily pay someone to automatically transfer a little bit of your own money from one account to another if you go negative when there are so many institutions who will do it for free? Personally, I don't want to have to keep banging on doors to continually get around the fees, I just want there to be no fees. I understand that online banking and ATM's cost money, however there are no shortage of traditional income streams that banks already have between loan interest and interest on depositor money. I don't want to do business with a place that I constantly have to remind them that I'm a customer, not a new potential fee income stream.