i'm beginning to hate banks. for TWO very valid reasons!

i just realised that DBS has been quietly charging me $2 every month (for goodness knows how long!!!) all because my balance in that account has fallen below $500. i'm already thinking of withdrawing everything. why would i want to leave $500 sitting in a bank like that! i would rather take the money and go shopping! geez. the interest earned is so miserly, i get higher returns from spending it.

and now that i've graduated, my uob campus card is going to expire and i have to change chequing accounts. and the other chequing accounts at uob is crazy lah. i'm supposed to maintain a monthly balance of $3000 or else they will charge me $7.50/mth. again, if i have $3000, it will not be in the bank. i will take my money out on a shopping trip! goodness gracious me. don't the banks understand that dollars and cents have the right to be taken shopping too????? do they seriously expect them to just sit around idly in the bank vaults????!!!!!