Bank of America has provided fee-free checking accounts to people who do not use a teller to make deposits and withdrawals. Bank of America started charging a $12 monthly fee to people with these accounts as of January 19, 2018. In order to avoid the maintenance fee customers will have to have a direct deposit of $250 or more per month or keep a daily minimum of $1,500 or more per month. Many low-income families do not meet these requirements. There have been times where I've only had $10 to my name. That wouldn't even cover the maintenance fee. 

Bank of America was one of the only brick-and-mortar banks that offered free checking accounts to their customers. Bank of America was known to care for both their high income and low-income customers. That is what made Bank of America different. Bank of America was the bank of every American with a dream. Now sadly, Bank of America seems to have changed their mind and wants to no longer offer free checking accounts to the American public. The future is uncertain for many BOA customers because of the changes BOA plans to make to their accounts. We live in a virtual world where virtual transactions are the main and sometimes only way of paying bills or purchasing goods and services. 

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