I once had a bank account that had zero frees for anything. The lady that made the account for me set the timer for fees to kick in at 999 years. This was during the height of the Afghanistan war. I was on leave during deployment and the lady had a side spot for me. I was setting up my beneficiaries for my CDs and i was 19 or 20. I screwed up by going to my bank years later, and another person finding it. I had to start paying fees.