I am looking for a bank that does not force me to have a set balance in the checking acct. in order to not be charged a fee. I just called Malaga Bank and spoke to a very nice gal & she says they have a Senior Acct. that has no fee. I am going to talk with them and move my money from Chase Bank. As a senior and using Chase (Washington Mutual) for YEARS...and now being charged I am going to move my money. Malaga Bank seems like a bank to do business with.