Posted January 18, 2014
F4LL0UT: I'm currently trying to finally close an old bank account of mine which I haven't used in four years because the bank sucks - it sucks so hard that two attempts to close it had already failed in the past because I had forgotten and lost the login data and the people at the bank were so protective of my account that even I was unable to get new login data - because they would have to not only identify me by my social security number but also though a message sent to my phone and the thing is that I had already switched phone numbers by then. And I needed access to achieve a balance of 0,00, else they wouldn't let me close my account. So I gave it another try, finally I encountered a nice and competent girl at the bank who gave me access and I transferred the money to the account I normally use. I returned to the bank and was invited to some office in the back. This time a friendly dude took care of everything - but there was one catch. It's not just a bank account, it's a whole package including multiple accounts and one of them has 0,01€ left. How it got there, where it came from - I have no idea, I haven't even ever used that special account. I asked him whether I couldn't just donate it or something. "No." Annoyed I said that I'd even be okay if they just destroyed it, I just wanna get rid of it. He laughed, "no, you have to transfer it to another account - all accounts will be eliminated within 30 days if the balance will be exactly 0,00 on all of them by then". Okay, doesn't sound too bad. So today I decided to finally transfer that lonely cent to my current account. Guess what, one cent is too small a sum to make a transfer. So I will actually have to add money to the account before being able to even out the balance. But to make it funnier it's a special saving account that can only receive money from another account from the same package, else there's gonna be ridiculously high fee. So now I will actually have to transfer money from my current account to the old account at a fee, from there to that saver account, from the saver account back to my old regular account and from there - again at a small fee - to my current account. And all of that because of one cent! Fantastic!
I'm not quite sure how it works in places out of the US, but would it be possible to just make a cash advance for 1 penny against the account? You wouldn't have to transfer the money. You'd just be drawing out a penny. I mean as long as you have like a state or country ID card I would think that wouldn't be a red tape nightmare.Post edited January 18, 2014 by Trajhenkhetlive