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My account was closed......

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My bank closed my account without telling me. My account was free until it was inactive for 2 months, then was supposed to be charged a service fee. The account was short of the service fee by a dollar and some change, so they decided to close the account. And without notifying me of the action, cancelled my account. To which my payroll checks were being deposited(I thought, actually they were being returned to my employer) and I was writing checks on. Now I owe service fees on all the checks that were returned because of the closed account. After looking at all the papers I have, NOWHERE does it say they will close the account if the balance falls to zero. So who is responsible for the service fee. From where I sit, it looks like it is their fault for not informing me the account was closed, or that the account could be closed if the balance fell below a certain point.



The general rule of thumb is that account holders (such as yourself) are the ones who are responsible for the service fees. It is also true that account holders are expected to keep their account in the positive. However, it is also true that the bank had a legal duty to notify you in writing that they were going to close the account, plus after they closed it they should have notified you.

Mark B. Replogle

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