» After a trial in California and other Western states, the company plans to expand the policy to six more states — states it has not named yet. The rules: To avoid the fee, you must have a balance over $1500 monthly or direct deposits over $500 monthly, and if you choose to get your bills online, you can shave two bucks off the fee. That said, this policy mostly impacts longtime customers — the company hasn’t offered “free checking” to new customers since 2010.