Negative interest rates are being phased in. A local bank I use for cash for emergencies just raised the minimum balance at the bank to avoid a fee to $25,000. They only pay .01% on deposits. That fee? It amounts to negative interest for a majority of the population, and as a percent it's a larger burden on those with the smallest amount of savings.
How is a person of limited means ever going to save if the bank takes part of the few dollars they can put in an account every month? It's not helping the economy that most people have very sound reasons to not put money in the bank!
I see nothing like that here. You need to shop around if you haven't already.
I have accounts in two banks here with local offices.
One has a minimum balance of $50 for savings but checking is free. (that is reasonable)
The other charges a fee for checking unless you direct deposit them,(just a fraction of your pay will do).
I also have an account at capitalone360 which used to ING, they say they have no minimums.