http://consumerist.com/2010/12/chase.html
Chase will charge you a $12/month fee unless you do some stuff (like use their card or keep a lot of money in your account to fund their bank). "What's the best option?" sounds like an algebra problem in the making! Everything should just be linear, right (assuming you're looking at a constant amount of money coming out of your checking account each month)? Or you could talk about piece-wise functions, especially if you look at keeping a minimum balance.
Such a good question: what does it cost you to keep money in the bank?
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