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So, my checking account has a maintenance fee of $9 a month if your balance goes below $2,500. I usually move all my money over to my ING Direct account, so my regular checking account always falls below $2,500 at come point in the month. I've been meaning to change it to a free checking account that doesn't have any maintenance fees, but, well, I was lazy. I just switched it over.

Laziness can be expensive!! At $9 a month, that's $108 a year!

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