just noticed this.
Banks do not cost anything to store money in
activity fees, transfer fees, minimum balance penalties, atm fees, "maintenance" fees, interstate/international "processing" fees, currency exchange fees... and that's just for normal countries, not including bribes or protection money... have you ever used a bank before?
and you actually make some money storing it in an account.
you're lucky to find a bank that gives 0.25% interest. most banks, if you hold less than a few thousand dollars in your account, will charge you more in monthly service and maintenance fees then you will ever make in quarterly interest.
There is that first "flat-fee" to make the account but it is hardly of consequence.
Most real banks don't do this anymore. Why make a barrier to new members, when the real money lies in fees and investing their deposits. In 2238, the bank fee seems to be simply a money sink to control the economy, and a minor barrier to slow down alts
And they do not charge negative interest as you say.
all you need to do is google "negative interest rate"... there's even examples of non-conflict/non-third-world private and public banks going negative.
They only charge you for withdrawals.
You have obviously never used a bank before... underaged?
