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Depends on the bank. Usually you have to have a specific amount of money to deposit to start an account, like $300 or something, but some banks will waive that and let you open an account with less. I'd crack open the phone book and start calling banks, ask them what their requirements are. firstly just go to any bank and ask. secondly no. they don't charge money to hold money.

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Q: How do you start a bank account Do you need to pay anything?
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