Hi Marina
Excellent posting! I have made some suggestions below. I hope they are useful to you.
Happy studying!
...due to the fact that they...
...as they don't...
...charge me anything..
...charge me any fees...
...for having a nil balance
...for having nothing in my account
However, I would never change bank...
...I talk with a bank manager who is quite friendly and helpful
...I don't usually have any problems with...