Learn to manage your financial and use a free debit card from a bank... There is no reason to get fees if you have at least 1 point of financial IQ...

I have account in three banks, in my favorite one (Citibank) I have 2 checking and three savings. I have a total of 3 debit cards, each one of them for different purposes and I have a total of 14 credit cards.

I carry no balance on those credit cards, and I recently got a 6.24% APR car refinance... my credit is greatly above 700s....

All of this and I did not paid a dime to a bank in fees... at least, not on my own fault... and the ones that were not my fault... were waived (of course)

My yearly household income is as low as below $40.000.... so I'm not rich either.

I just have financial IQ... be smart with your financial and take profit of this.