I'm planning on paying off the $11,000 remaining balance on my HELOC to a zero balance and keep the line of credit open. My HELOC is with TCF Bank. TCF Bank has a $75 annually fee on a zero balance HELOC. Is it normal to have an annual maintenance fee on a HELOC? Should I look at closing out the HELOC and opening a HELOC with a different bank? I'm not planning on any large payments, but wanted to keep a HELOC as a 3rd option for cash if I ever need it after emergency savings and my ROTH IRA.