Q. I received notice from Bank of America that they will begin charging a monthly fee if I do not have automatic deposits totaling $25 credited to the savings account each month. It’s bad enough we only get about 12 cents interest a year on our accounts, but now they are going to charge us. It seems to me that a law was passed decades ago that if you are under a certain age or over a certain age Massachusetts banks could not charge fees on peoples’ savings accounts and perhaps other accounts. Being one of those “over a certain age,” I am concerned as I have a very meager savings account and really cannot afford to be charged for deposits I cannot make. — PAT KELLY, SOUTH YARMOUTH