Hi, nice to see that you're in control and able to manage your finances both efficiently and effectively! Similar to other banks, you'll be charged a fall-below fee if your balance is below a certian amount after reaching a certain age. In this case, you may consider opening and using a DBS/POSB savings account along with a debit card which can all be applied for online. I'm using DBS Savings Plus along with a DBS Visa Debit Card and I understand that there won't be a fall-below fee of $2 for not maintaining the minimum average daily balance until you reach 29 years old. Alternatively, you can also consider getting a credit card since you seem to do budgeting and are able to control your finances/expenses well! Moreover, you'll be able to earn cash rebates/miles/rewards depending on the type of credit card that you have. Just make that you pay your monthly credit card bills on time to prevent any late payment fees or interest charges!