Why do we accept "low ballance" fees?

[BYOBKenobi]

<p><font size="2">I want to know why... why oh great oracle... do banks charge when you have a &quot;low ballance&quot;?&nbsp; I haven't had 100 to my name in almost a year... every check I get goes out to some creditor who's been calling me 3 times a day... and now that my commerce account just had it's first birthday they charge me every time my account goes below 100 dollars.</font></p><p><font size="2">Why do we accept this?&nbsp; </font></p><p><font size="2">Are there any banks that don't have hidden fees?&nbsp; I was so sure commerce was it, but they pull the same old shit.&nbsp; I asked the teller how I was supposed to know that I was going to be charged 15 bucks every time my account dips below 100 bucks and she said &quot;everyone is told when they open the account.&quot;&nbsp; How the fuck am I supposed to remember that shit?</font></p><p><font size="2">Who even plans on being that low?&nbsp; Why kick me when I'm down?&nbsp; AAAAAAAAAAAAAARRRRRRRRRRRRRGGGGGGGGGGGG!</font></p><p><font size="2">on a side note, anyone have a bank in North Jersey that doesn't have any hidden charges?</font></p>

[HBox]

I don't want to be an annoying know-it-all but I opened an account with them over 5 years ago and I remember them telling me that.

[mdr55]

<strong>BYOBKenobi</strong> wrote:<br /><br /> <p><font size="2">on a side note, anyone have a bank in North Jersey that doesn't have any hidden charges?</font></p>&nbsp;&nbsp;<img src="http://www.nccbi.org/images/piggy%20bank.jpeg" border="0" width="120" height="139" />&nbsp;Piggy Bank&nbsp;<p>&nbsp;</p>

[SatCam]

because you don't own your bank

http://www.grandcu.com/Images/Cucologo.gif

:)

[Death Metal Moe]

<p>When I opened my last checking account I went to the bank that offered &quot;Free Checking&quot; and made sure what I was signing wasn't some lame contract that let fees kick in down the road.&nbsp; I usually have something in there, but believe me bro, I was JUST at the point with creditors you describe.</p><p>Take your money elsewhere.</p>

[cozzie]

heres what you do byob, if you have to have the account make sure you always have $125 in it . pay your bills by money order, you can get them from the post office for under a buck. keeps you from having&nbsp; per check charges and what not. been doing it for years, i never write a check, and it's saved me lots of money.

[angrymissy]

<p>I had Wachovia in Jersey (still do but have to switch because there aren't a lot of them in Long Island), and they have free checking with no balance limits.&nbsp; Believe me, my account goes way low on a regular basis.&nbsp; I think you have to have direct deposit to the account to qualify for the fully free checking.</p>

[Death Metal Moe]

<p>I've had Lakeland, closed an account and re-opened another one a couple years ago when I started working again.&nbsp; Always had Free Checking with no &quot;Low Balance&quot; fees.</p><p>Check into them if you're in the NJ area.&nbsp; If not, good luck bro.</p>

[BYOBKenobi]

<p>I'm sure they said something, but I had to open an account because I got a loan through commerce.&nbsp; They took a half a point off the APR if I had an account there.&nbsp; </p><p>I'm really thinking hard to that discussion and I don't remember much chat at all about the account.&nbsp; It was mostly the loan that I took out and then he handed me a check book.&nbsp; </p><p>I really don't think that I'll have a problem keeping more than 100 in there once either A. The job I'm doing starts paying me. or B. I get another job, but it's just frustrating that when you're down, everyone has their own little way to pile on.&nbsp; And then after you kick everyone off they leave their stink all over you in the form of &quot;marks on your credit report.&quot;</p><p>I just don't think it's fair to have a penalty for being poor.</p>

[PhishHead]

wachovia and bank of amerca charge me nothing for checking and bank of america has had $30 in it for over 2 years i never use the bank and its money left over from student loans that i lost all my shit on

[BYOBKenobi]

I would try Bank of America, but I can't remember where there even is one.&nbsp; I'm going to have to open a new business account soon too.&nbsp; I am going to have to do some serious research before I do that... but hopefully THAT account won't be dealing with low ballances (:

[BYOBKenobi]

<p>I think I'm going to start making a list of how every business kicks you when you're down.&nbsp; It's more the morality of business vs the morality of human beings that bothers me.&nbsp; I always like to think they are very different but serve each other in harmony.&nbsp; Now I'm learning how they truely are different, but SUCK!</p>

[Team_Ramrod]

<strong>HBox</strong> wrote:<br /><font color="#000080"><font size="2">I don't want to be an annoying know-it-all but I opened an account with them over 5 years ago and I remember them telling me that.</font></font> <p>Hey everybody, look at the know-it-all.</p>

[BYOBKenobi]

<strong>Team_Ramrod</strong> wrote:<br /><strong>HBox</strong> wrote:<br /><font color="#000080"><font size="2">I don't want to be an annoying know-it-all but I opened an account with them over 5 years ago and I remember them telling me that.</font></font> <p>Hey everybody, look at the know-it-all.</p><p>Sometimes I wonder if he's the know it all or if I'm the only one who doesn't remember shit like that.</p>