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Why pay bank account fees when you can have Savings account and pay nothing?

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As many people I had a typical bank account and stupidly paid around 10bux a month/month unless I had balance more than $2000 or so in there. Had to pay for cheques too.
Then I discovered I could have a Line of Credit account which is the same thing,but it's free,including free cheques. So...why most people aren't doing the same thing?

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