First Merit Bank Inactivity fee for not using an account and charging $25.00 each month , so far they've taken $100.00 out of my sons account because he hasn't used it , you can't have an account at this bank and save money because they deduct it for not using it. Not sure that this is legal, I closed the account, because of being ripped off, I hope someone sues them for us to get back lost money, the bank is getting rich off of us poor people. Ohio

You talk about how they "took" your son's money, yet you said that YOU closed the account.  If this was your son's account and he is an adult then you have zero legal standing to close it.  Also, if it is your son's account why are you the one (barely) managing his account?

As for the fee, this is totally legal, and who ever opened the account agreed to these fees that were part of the terms and conditions that person received.   But even IF they missed it at opening, I'd probably be there with you the first month this fee was taken out and may think of it as a mistake that you didn't understand.  But after the first month any fee that they take out is 100% on the responsible party for the account.

Because there is another part, the MONTHLY statement.  You see they send out a statement to the account owner every month, either electronic or mail.  It is the responsibility of that person to review their statement for any errors or issues.  If that person failed to review their statement, then they are the ones you also need to blame for not catching it the first month.

Also, it took about 30 seconds to find the fee schedule.  Where it is interesting how you talk about saving money, but this fee only applies to Checking Accounts...not Savings Accounts. So if the true goal was to save money, why did who ever open up a CHECKING account?   In addition to no inactivity fee, but the monthly maintenence fees are significantly less as well.