Yes, getting a new checking account can be annoying — but so can keeping one. Banks charge an average overdraft fee of $27.08 for their checking accounts, according to data from our partner Bankrate.

Here are the seven reasons why this bank teller advises against keeping more than $3,000 in a checking account.

SoFi’s Checking and Savings account earns a 0.50% APY (variable and subject to change) on the balance in its checking portion. Customers who enroll in SoFi Plus with direct deposit, or pay a $10 SoFi ...