Games like Asteroid or Frogger were fun, challenging our reflexes to avoid falling digital asteroids or working to keep our frog dry or “unsquished” by oncoming cars. When we heard the tell-tale sound of a frog drowned, we said “Shoot! Darn it! Stupid frog!” and then either deposited another quarter, pushed the reset button or stalked off to try again another day.

Here’s the problem: many of us are still playing Frogger, but the stakes aren’t just a quarter anymore.

If you are spending any time trying to manipulate your bank account, or taking evasive action to qualify to "waive" or avoid a fee from your bank, you are still playing Frogger. Challenging?Yes. Fun? No. You are trapped in a game where you are forced to jump from log to log, wending your way through dangerous waters just to get to the other side and keep all of your own money, month to month.

So, here’s what you do: review your bank's fee disclosure. If you generally manage your money well (don’t overdraft your account often, write bad checks etc) then you shouldn’t be subject to “monthly maintenance fees" just to look at or use your account. (After all, it’s YOUR money). Fees should exist as a reminder to you to take action, not solely as a revenue stream for your bank

At Affinity Plus, fees are the exception, not the rule. Check out the service fees at Affinity Plus. Manage your money, not your fees.