Unifimoney is fee free to those users who use it as their primary bank account and meet the minimum activity levels, which include minimum money transfers or direct deposit of $6k a month within 4 months of account opening (to give time to change salary payments, etc.). To keep costs low and to benefit users as a whole, we charge for accounts that are not being used the way they are intended. In the traditional banking model, the best customers are actually subsidizing the least active — we think that’s unfair. We want our best users to benefit the most and inactive users to pay their own costs rather than being subsidized by others.