[UrMomReadsHN]

>I said they make you jump through hoops and open a bunch of related products so they'll waive the $10-15/month fee.

That hasn't been my personal experience. I've never had to jump through hoops or have a minimum balance.

I'm just sharing my experience which is apparently different from yours.

Oh wait... I had to pay a one time $5 fee to join one of my local credit unions.