True, I have kept $0. But what is the use of keeping a dormant account and having to maintain an app on my phone for the soft token? We will have a low rates scenario for another 2-3 years, so we wont be using this account.
Make sense and by the time u reopen an account if a higher rate scenario is back in said timeline, u come in as a new customer. More often than not, banks usually give goodies to customers with fresh fund.
