"Closed" accounts come back to life when the computer calculates and pays that month's interest. Then minimum balance fees are imposed, apparently forever, or until you hit the trigger to begin collection actions that can play havoc with your credit score. On 3/3 I closed my checking account. On 3/15 it came back to life when six cents of interest was posted, along with a $15 service charge. A month later another $15 charge. Happens a lot with them. Three times with my family. Recommend you avoid them, or watch them mighty close. read full review »