Problem with security deposit account, and Bank of America

[Bienes Raices]

I set up two business checking accounts for my LLC--one for the rents,etc. for the property that will be held by that LLC, and the other for just the security deposit for that property, as my state's law requires. (law says you have to keep the security deposit in a separate account and never put any other monies in that account).

Unfortunately, Bank of America requires you to do a debit card purchase at least once a month or maintain a balance of at least $3000 in the biz account in order not to be charged monthly fees for the account. Doing either of those things would basically put me in non-compliance with the state security deposit law.

Would it be better to just forget the separate account and put the deposit in with the rent monies in the other account? Is it really that common to go after a landlord for "commingling" the security deposit?