Ever checked your bank account expecting it to be at zero, only to find it dipped into the negative with surprise fees attached? It feels like a magic trick, but not the fun kind—more like the disappearing-money kind. Banks have built a reputation for charging fees at the oddest times, and the zero-balance account scenario is one of the most frustrating.
The truth is, these fees don’t appear out of thin air; there are rules, systems, and business motives behind them. Let’s break down why some banks seem to keep charging even when your balance should be safe at zero.
