Some banks charge you $20 a month for an account, others charge you 0. If you’re with one of the former, have a good explanation for what those $20 are buying.

Actually you can even earn money buy spending it by getting card from Binance. They pay you back up to 8% in $BNB tokens for your spendings.
Maybe you will not earn a million, but you definitely will spend one in your lifetime. Why not to get some money back from it especially when price of cryptocurrencies is going up in value in the long term

You can register with the referral link and even get a discount
https://accounts.binance.com/en/register?ref=YWJOQ72X