Checking my cards and my Merrick Bank balance is ZERO! I should owe like 400. Not complaining just letting yall know... I never thought i would be a lucky one!
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Check your banking agreement. If you don't use your account they probably have the right to set it as inactive. My assumption is that they don't need to carry FDIC insurance on inactive accounts, or some other thing along those lines that benefits them by changing the account's status.