Is it possible to get the AF removed once you have the account and remain in good standing for a few months? I was offered an 1100 CL with an AF of the 72 dollars, but my account with Orchard Bank is 1300 (after 2 years) with the same AF, and while Hooters will eventually surpass Orchard Bank in my CL, I dont want to be paying for 2 annual fees.