A couple of months back I changed banks because I’m a greedy millennial using two kidneys instead of selling one to buy houses, y’know?
For sale: Right kidney.
Long story short I can’t afford account fees right now so switched to a bank that doesn’t have them because I really don’t want any repeats of a past situation where I couldn’t afford account fees and was fined. For being broke.
But hey, stop eating avocado toast and get a higher paying job, right?
That was 10 years ago though, I’ve got the benefit of hindsight on my side now. Also, if a bank fines you, just go into a branch like, “I’m poor as fuck.” And they’ll probably waive the fees, in my personal experience banks want your money and are pretty willing to help you get back on your feet if you don’t have any. Within reason.
The website for the bank I opted to switch to claimed accounts could be opened in under 10 minutes, I was skeptical but hey, at the risk of identity fraud, gave it a solid go.