To be fair, this is common among most of the big banks in the US. In my opinion, they do not cater for poor people and only make sense if you make $50k+ in transactions with them per year.
Case in point: I have a WellsFargo account. It was mostly dormant for 4-5 years with enough cash to avoid the penalty fee. In the last year, I used it for most of transactions (doing $10k+/month at some points). I got my credit card limit upgraded in a short amount of time (by around $5k). I was out of the US, and needed a new credit card. WellsFargo contacted me (got back to me) shipped a new card overnight overseas for free and waived the fees for the credit card and gave some credit/gift things.
Case in point: I have a WellsFargo account. It was mostly dormant for 4-5 years with enough cash to avoid the penalty fee. In the last year, I used it for most of transactions (doing $10k+/month at some points). I got my credit card limit upgraded in a short amount of time (by around $5k). I was out of the US, and needed a new credit card. WellsFargo contacted me (got back to me) shipped a new card overnight overseas for free and waived the fees for the credit card and gave some credit/gift things.
I mean completely different experience?