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I didn't know this, and I used my last 10 bucks to buy food. The easy thing about not having much money is that I can do the math in my head, and I knew I hadn't spent more than . You're charging me for not having enough money." No reaction. A mattress wouldn't take out of itself every month." That's true, he said. They'd hate to lose me as a customer, but maybe I could use other bank accounts for now.

But there on the screen was a fee, followed by two tiny purchases, each with their own overdraft fee. He asked me if I had at least one direct deposit of 0 or more every month. I worked part time, and my paychecks varied depending on how many hours I got. I said I'd be closing my account when I got paid again, and left. Back then, Boeing required its factory workers to buy their own tools, but banks were not lending money to the kind of people who were working at Boeing's factories.

On my lunch break, I went and met with a young-looking Chase banker, explaining to him that they'd taken my without alerting me in any way, it had caused me to overdraw my account, and I would like the charges refunded. He said I now needed a 0-or-higher direct deposit each month to avoid fees, even if my monthly deposits exceeded that. He looked concerned, then said: "Have you thought about trying to get more hours at work, or more work? I was working as many hours as I could get each week. "Um, thank you, but don't tell me to make more money so you won't steal from me." He gave me a customer-service frown and said something boring I don't remember. On the advice of a friend, I went to the branch where I'd originally set up my account to see if they'd be more understanding. I said I knew he was just doing his job and I walked out. So 18 of those workers banded together, each pitched in 50 cents for a total of in assets, and started a credit union.

The banker there said new laws were costing Chase, and unfortunately they just had to pass that along. "Seventy-five years later, we're almost .6 billion in assets," says spokesman Todd Pietzsch.

"In the month of September, we hit a record of 9,400 new members—just in that month." Again, that's just Washington State.

"We're staying open late if we need to because we don't want to push anyone away." Walking to Chase last week to close my checking and savings accounts was the best trip to Chase I've had in years.

arlier this year, Chase converted my grandfathered Wa Mu free checking account into one with monthly charges.

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Having to pay, even if it's only a buck, and more importantly, give your credit card info, is going to discourage a lot of pranksters.

Having to pay, even if it's only a buck, and more importantly, give your credit card info, is going to discourage a lot of pranksters. But nothing is stopping the average prankster from getting a change of address kit and filling it ouy fraudulantly.

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