My experience has been that banks are very forgiving when you're otherwise generating income for them, but strict when fees are their primary source of revenue to them. So, you have a large installment loan, they give you a better checking relationship. You do a large volume of credit transactions, they waive fees pretty easily.

But if you have $30 in checking and a card with a $500 limit, it's fees on top of fees. These introductory accounts used to be ways if getting students in the system so that they could maintain the relationship, but now all thinking is short-term and they just want the money up front.