Yesterday my husband was confronted with an issue regarding money he transfers monthly from his personal account with another bank to my account to cover household expenses. It seems that the transaction has been labeled as a loan and, while the bank has been accepting it for about 10 years now, it was incorrect and must be changed. While checking my statements to see if the monthly payment had already been posted, I noticed that I was being charged $10 a month for a mutual fund account that pays me 9 cents a month. I decided to close the account so I transferred the balance to my checking account then called the bank to request that the account be cancelled. I was told that I have to go to the bank to cancel the account. REALLY? I can transfer all of the funds from the account online but I have to go to the bank to close out an inactive account? Don’t tell me it’s a security issue. There is no money in the account so it’s not worth anything to anybody! My husband was considering changing my account to another bank based on his experience over the monthly transfer. I disagreed until I also had to deal with your unrealistic policies. Now I’m not so sure.