I don't carry a debit card anymore due to charges at ATM machines, an no bonuses. So I go to the bank and pull a few hundred out for pocket money for the month. Every time I go in there, they look at my accounts and offer to set me up with a better savings account and I decline.
"Oh, so with this new savings account if I can keep over $10,000 in it, I'll get another 0.025% interest? But if it drops to $9,999 you will charge me a fee that will completely absorb the money difference from more interest by 10 times? No, thanks, I'll pass..."
It's happened so often now, its a running joke between all of us.