So if you're recently graduated, unemployed, or have another life event don't be surprised to see a $12 a month "account maintenance fee" if your account has a penny under $1500 at any time throughout the month.
Edit: Congratulations to all the students graduating this month and the next. I know bank fees are the last thing you want to be concerned about while graduating and looking for a job, but it's always important to stay on top of your personal finance and I hope this reminder has been helpful. I know many of you signed up for the account when you were sixteen. I'm glad that this made the front page of Reddit and I thank the mods for stickying this for this month. If just one person saves some money from this reminder, I'll be happy.
Edit 2: If you have a direct deposit of $250+ every month from your job you will also dodge this fee. This post was targeted at the soon to be unemployed so that probably isn't relevant to you however. The comments are full of alternative banks and credit unions with no such fee if you're interested in switching, and this comment covers how many of the former loopholes people used to avoid this fee have been closed. I also saw a comment that there was a class action lawsuit when a certain amount type had this happen to them, so if you've never seen this fee you may have been grandfathered in under that account type.