Some banks can kick you when you're down, especially when you're a new college grad (yay!) and jobless (boo!). During school, it's likely that you opened a free checking account and you had four-ish blissful years without being charged. That will change when you graduate, and many banks won't send you a reminder that your account is eligible to incur a fee. There also may be minimum balance requirements you're expected to meet. Banks may waive the fee when you meet the minimum, and there are always other banking fish in the sea that may give you a better deal.