So I opened a basic checking account in 1988 with Talman Home. They got bought out by First Chicago. Then we all got dumped into Chase. Had a decent checking account with Chase - $500 ACH every month = no fee. But now I am semi-retired and cannot meet the requirement w/o giving up my local account.
The folks that work for Chase said there is no less onerous checking and bank to bank transfers do not count as ACH.
So now I closed everything and they get nothing. Yet they still thrive because I do the right thing and others do the wrong thing.