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None. Bank of America has charged monthly maintenance fee of {$12.00}, consecutively for 2 months on the same daily balance. As per their regulation the minimum daily balance should be XXXX, one day when my balance was low, for the same balance I have charged twice maintenance fee in XX/XX/XXXX and XX/XX/XXXX. When called the customer service agent mentioned that it is 14th business day of each cycle. How can a consumer decide that? Banks sustain because of customer deposit and they are charging service fee to customers left and right. This is not fair to consumers.