It's just how banks work. If you keep a lot of money in your account, the bank earns a return on investing your money. If you only keep a little in the bank, then they have to charge you fees to make money off you. If you can't even pay the fees at all, they just won't give you an account.
There are non-profit credit unions, but those usually require a certain type of employment, in which case you probably don't have these problems either.
It's just how banks work. If you keep a lot of money in your account, the bank earns a return on investing your money. If you only keep a little in the bank, then they have to charge you fees to make money off you. If you can't even pay the fees at all, they just won't give you an account.
There are non-profit credit unions, but those usually require a certain type of employment, in which case you probably don't have these problems either.