this post was submitted on 18 May 2024
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When I was in my early twenties, I opened a savings account and the banker didn't tell me that the amount that I was depositing was bellow the minimum balance. I was instantly dinged. At that age, I wasn't confident enough to call bullshit. I ate the penalty.
Today, I would demand a refund and I'd politely make it clear that I was taking my business elsewhere because the bank obviously didn't have proper ethics training. I'd do it in such a way as to diplomatically put that person's job at risk. If they didn't get fired for ripping me off, they'd for sure be on notice with their boss.
Banks are so corrupt that they get away with all kinds of evil. But not at the lowly level of a peon in a branch. That I might tell friends and family about the experience might not protect the "little person" on the front lines. Execs can get away with fucking murder.
So they charged you not for owing them money, but for being too poor to have an account with them?
This one doesn't seem to have a way to make it sound legit, does it. Any way you shake it, the banker should never have behaved that way.
I like your phrasing though, "too poor to have an account here". The fact the "penalty" is money is just cruel.
I could have deposited the minimum amount, but she probably sensed that if I was told that it had to be more, I might choose not to open the account after all.