Pea roast aboot banks, eh?
Brief background...bought a house in Canada and had various accounts to deal with money going back and forth. About a year after last using a dollar account held in London get statements telling me that banks charges of C$30 have been made against it despite it being empty (so on top of everything else I now have an overdraft charge due as well)! Why was the original charge taken....wait for it..."insufficient funds in the account". So I am being charged for not using an empty account. Suddenly I am C$60 in debt for doing nothing with nothing. My local branch (bend over backwards helpful) manage to sort it out with London and get funds refunded. 3 months later guess what, C$60 gone again for "insufficient funds etc. + unauthorised overdraft charge" Cancelled again and now have had to close the empty account which is a real pain but where is the logic???
( number5 has been fighting tramps and losing., Thu 23 Feb 2012, 14:25, 2 replies)

The logic is very simple
1) We charge you when you put money in
2) We charge you when you take money out
3) We charge you when you keep money in the account

4) Sir! I've just had a great idea! Let's charge people for NOT keeping money in the account!

Instant promotion, insultingly huge bonus and a blowjob from the company gimp.

Now, if other companies can find a way to charge you for not using their products, the world will be perfect.*

* for a given and very limited meaning of the word "perfect".
(moon monkey is busy making memories worth repressing, Thu 23 Feb 2012, 14:41, closed)

Canadian banks are a bit behind the times to say the least.
I'd say mostly clueless but they actually seem to be very good at extracting money for no-services rendered.
Mine recently discovered internet banking and is proudly announcing its innovation as something quite astonishingly wonderous.

I've heard of joint accounts being emptied on monies to pay off another account in the same family; despite being illegal, banks seem to think nothing of it.
My lawyer advised to me have my different accounts with different banks to avoid this kind of "mistake".
( Infidel , shit and wrong, Thu 23 Feb 2012, 16:46, closed)