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Not Taking Into Account How You Use The Account

, , , , | Working | January 26, 2019

(My bank doesn’t let you take money out of a certain type of account more than twelve times a year without paying a fee. I have this account because the interest rate is pretty good, but I didn’t know about the withdrawal limit. I’m currently at the bank, with my dad, to transfer some of the money from one account to another. This is before I can do online banking, as I’m not eighteen at the time.)

Me: “Hi. I want to transfer some money from one account to another.”

Bank Teller: “All right, can you give me the account numbers?”

Me: “Sure.” *gives her the numbers*

Bank Teller: “Okay, I see here that you’ve taken money out of your account eleven times this year. You can only do it twelve times a year without paying a fee. Are you sure you want to transfer the money?”

Me: “What? I wasn’t aware of that.”

Dad: “Wait. I’ve never heard of this before. Is this new?”

Bank Teller: “Yes, we started with this a couple of months ago.”

Dad: “She’s had this account since she was three years old.” *it was in my parents’ names before I turned sixteen* “Why haven’t we been informed of it?”

Bank Teller: “Well, we just figured that people don’t really transfer or take money out of the bank more than twelve times a year when they’ve got this type of account.”

(My dad looks incredulously at me.)

Dad: “Well, in that case, we would like to close that account, and open another one. The same type of account. As she’s taken out money eleven times, there shouldn’t be a fee to transfer the money to a new account.”

Bank Teller: “I really can’t do that. You can only take money out of the account twelve times a year.”

Me: “Yeah, but if I open up a new account, that shouldn’t be a problem, right?”

Bank Teller: “Well… I’m sorry, but I can’t do that for you.”

Dad: “All right, thanks for your help. We won’t be withdrawing any money today, but we will go across the street to the other bank and switch all our accounts over there.”

Bank Teller: “What? No! I… I can fix it for you!”

(I managed to open up a new account, transferred all of the money over to that one, and closed the old account. Now that I can do online banking, it’s pretty easy to transfer myself, and open up new accounts and close them as I wish.)

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