It's been 5 months out of school. Nothing to do, what do I do?

[Ravencroft·]

pretty much all banks have maintenance fees on their checking accounts if you don't deposit enough money per month or have above a certain amount of money on average

Depends on the bank, at my bank a maintinence fee is only applied if you overcharge your account or use a non-bank ATM.

There's really no excuse for a 19 year old not having a license, bank account and maybe a job depending on their education situation. Hell, I was out on my own by the time I was 19.

what kind of shady bank does that lmao
ive never gotten charged for anything of the sorts

Actually, a lot of the bigger banks apply maintinence fees too. I never understood why but whatever. My bank might have them, but I've deposited well over $250 per month or whatever it is since I opened my account when I was 15.

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[Foxscotch]

Depends on the bank, at my bank a maintinence fee is only applied if you overcharge your account or use a non-bank ATM.

those aren't maintenance fees. the first one is an overdraft fee, and a bank would hardly be a bank without those
the second is actually charged by the company that owns the ATM and/or your bank (which is absurd, by the way), and they're just called ATM fees

a "maintenance fee" as far as I know only refers to a monthly fee you pay to have the account open, unless you surpass their requirements to not have to pay it

[Alyx Vance]

Depends on the bank, at my bank a maintinence fee is only applied if you overcharge your account or use a non-bank ATM.

There's really no excuse for a 19 year old not having a license, bank account and maybe a job depending on their education situation. Hell, I was out on my own by the time I was 19.
Actually, a lot of the bigger banks apply maintinence fees too. I never understood why but whatever. My bank might have them, but I've deposited well over $250 per month or whatever it is since I opened my account when I was 15.

My excuse? Constant changing addresses and moving around. Hard to get a license or ID or anything when papers keep getting lost during moves. On top of that I have a bad back injury that makes it hard for me to so much as walk. That is why I don't have a job or anything like that. You think I've been sitting on my ass for the hell of it?

[Darryl McKoy]

a "maintenance fee" as far as I know only refers to a monthly fee you pay to have the account open, unless you surpass their requirements to not have to pay it

Definitions like that are usually institutionally bound. There's not usually a universal definition for something like that.

[Foxscotch]

Definitions like that are usually institutionally bound. There's not usually a universal definition for something like that.

but there are conventions
plus, the english language. I can't imagine that a "maintenance fee" could reasonably refer to any other kind of fee

[Darryl McKoy]

but there are conventions
plus, the english language. I can't imagine that a "maintenance fee" could reasonably refer to any other kind of fee

Conventions aren't binding, and banks don't usually go out of their way to make the meaning of fees accessible to the customers.

[Foxscotch]

Conventions aren't binding, and banks don't usually go out of their way to make the meaning of fees accessible to the customers.

can you show me a bank that doesn't call it that? I'm sure it's possible that a bank would use a different name, but I don't think I've ever actually seen it

[Darryl McKoy]

can you show me a bank that doesn't call it that? I'm sure it's possible that a bank would use a different name, but I don't think I've ever actually seen it

I'm sure Raven can give you American examples, I can only give you Australian ones.

[Ravencroft·]

My banks calls it an insufficient funds fee and the ATM fees overdraft fees, categorized under checking/saving account fees and ATM fees, all categorized under maintenance fees.

[Xphifre]

You think I've been sitting on my ass for the hell of it?

you have a lot of posts
so yes

[XR-7]

what kind of shady bank does that lmao
ive never gotten charged for anything of the sorts

My bank says they'll charge me $6/month if I have less than $100 in my checking account. I'm also only allowed to take money out of savings at a maximum of six times per month (not really an issue, but kinda weird...). Plus of course, there's the usual ATM charges if I don't use their ATMs or overdrawing my account.

you have a lot of posts
so yes

Stop

[Lurker]

study maybe..

[Alyx Vance]

you have a lot of posts
so yes

Have you ever considered loving off?

study maybe..

Study for what?

[Xealyth]

Study for what?

most likely school, but he probably didn't read op about your situation
though, do you plan to enroll for school in the future?

[shitlord]

you have a lot of posts
so yes

can you stop being so loving rude all the time
i get that you're trying to troll or whatever but you need to stop