TD Premier has a minimum balance of $2,500 and if you go below that even once per month you have a $25 monthly maintenance charge.
Yes forgot to mention that, and for those which can afford to have 2500 lying around in an account then that's an option.
(2,500 is not that much,in terms of having the cash sitting idle as the cash is not disappearing, and I'm sure most can pull it off.)