[troupe]

There is a certain amount of overhead in servicing an account whether it has $5 in it or $500,000 in it. A $5 account doesn't give the bank much to loan while a $500,000 gives the bank lots of money to loan out. So the bank would rather have 100 $500k accounts than 100 $5 accounts. The fees help make the bank willing to maintain the $5 accounts.