If you have less than $x balance or $y/mo in direct deposits, most banks charge a fee. Because what someone who makes less than $1,000/mo really needs is to pay over $100/year for a checking account. That's not including all the likely overdraft/returned item fees someone with an average balance of less than $1,000 is likely to achieve.

How it doesn't violate usury laws to charge someone $35 for a $5 overdraft, I'll never understand.