I can't get the penny out because of their minimum transfer rules. I'm leaving it open just to annoy them at this point.
A client wrote me a bad check. Pretty soon, covered it. A month or two later, I bounced some checks, each costing me $33. I couldn't believe it; it didn't compute; my records and my account always matched before. When I went to the credit union, they told me, "Oh, ha, ha. After that check bounced, we put a 10-day hold on all incoming checks."
"You never told me you were doing that."
"We didn't did we? Oh well, you know it now."
I did, I knew it then. I left $25 in the account,which was the minimum. When they asked if I'd like electronic statements, I insisted on mailed. At least 4 times a year, they had to sent me account information, costing them about 10% of the account value per year just in postage. And every few years, I removed the accumulated interest (pennies) to bring it back down to $25. When they told me - by mail - the account would be closed for inactivity, I deposited $10, waited a year, and took it out. I repeated that many times, each time waiting for them to warn me by mail. I told my children that they could expect to find either a $25 or $35 credit union account when I died, and told them why. They thought I was being petty, and I was. But not petty enough; I was to be even more so. When that credit union went under, I went in to rescue my $25.28, and told the teller about the situation. She peered into her screen and said, "Well, yes! Look at that! There's a 10-day hold on all incoming checks. Why, that's more than 20 years ago!"
"Yup. I know it's not your fault, Miss, and I'm sorry about your job, but if you get to chat with management, please just pass it on from me, fredbear, that I'm glad
their credit union has failed. I guess somehow even those $33 penalties weren't enough to save it."