Tedi Headly

While it may come as a shock when your bank account is closed, you can take steps after it happens to safeguard your money. In addition, you can make some moves to help ensure the bank never closes your account.

Your bank may notify you that it has closed your account, but it normally isn’t required to do so. The bank is required, however, to return your money, minus any unpaid fees or charges. The returned money likely will come in the form of a check. In some cases, your bank may close an account and switch it to a different type of account.

Your bank may shut down your account for several reasons. Here are eight of them.

Let’s say you haven’t written a single check in the past two years or have made only two debit card transactions in the past three years. Your bank may decide that because of the lack of regular activity, it’s going to close your account. Typically, though, it takes several years of little to no activity for a bank to pull the plug on an account.

Generally, a bank considers an account “abandoned” if the account holder fails to initiate any activity over a three- to five-year period, or if the account holder hasn’t contacted the bank during that time. The bank is usually required to contact the account holder if it decides to close the account. If money in an abandoned account goes unclaimed by the account holder, the cash may be turned over to a state’s unclaimed property program.

If your account contains no money, the bank might close it. Simply because an account says there are no minimums, does not mean the account should remain empty for days or months. The time frame will vary based on your individual bank and its practices. Another risk you take is that any monthly fees could reduce your balance to below zero, so it’s important to keep tabs on your bank account balances.

If you’ve racked up too many bounced checks or too many overdrafts, your bank may close your account.

When you repeatedly bounce checks, your bank likely will shut down your account.

In the case of overdrafts—when your bank covers transactions, even though there’s not enough money in your account—your bank likely won’t close your account until there’s enough money in it to at least pay for the overdrafts and any overdraft fees. Once that happens, the bank might close your account. Overdrafts can happen when you write a check, make a debit card payment or carry out an ATM transaction that sends your account balance into negative territory.

Banks impose limits on how many transfers you can make between certain types of accounts, such as a checking account and savings account. If you exceed those limits, the bank might close at least one of the accounts. Or, in the case of a savings account where you repeatedly exceed the Regulation D transfer limits, it could be converted into a checking account instead.

If your bank thinks you’ve been the victim of identity theft, it may close your account to prevent further fraudulent activity.

The bank also might shut down your account if it suspects you’re committing suspicious or illegal activity, such as money laundering. Large and regular transfers or withdrawals of money are among the actions that may raise a red flag.

If you have a previous criminal conviction that you didn’t report to your bank, but the bank then finds out about it, the bank might close your account. Your account could also be closed if you’re convicted of a crime after opening your account.

A bank might close your account if you get into a business that’s deemed high risk. This may include gun sales, marijuana sales, online gambling or escort services.

If your bank stops doing business in your state, shuts down branches in your area or exits the banking business altogether, it may very well close your account.

Here are seven steps you should take when your bank has closed your account:

Fortunately, you can make moves to avoid having your bank close your account. Among them are:

Orange Park is located in the northeast corner of Clay County on the St Johns River at 30°10′7″N 81°42′31″W

Jeremy Ethier explains what you need to avoid when it comes to Bicep Curls.

“You might’ve already noticed that as you curl a weight up, it gets harder and harder and becomes the most difficult mid-way when your forearm is perpendicular to the ground. After this point, it gets easier. Your body can sense this and finds ways for you to “cheat” through this difficult bottom half of the movement without you even realizing.”

“One way it does that is by initiating each rep with a slight swing. Unfortunately, that additional load goes straight to your lower back which is now helping you get the weight up by using momentum. So, try doing a standard set of curls with your regular form. Then, stand with your back against a wall to prevent your body from swinging at all.”

“If you had to drop the weight considerably, then it means you’ve likely been incorporating too much momentum into your regular curls. Although I wouldn’t recommend doing all your curls against a wall, you’ll see far better biceps growth and reduce your risk of injury if you simply lighten the weight and minimize the amount of swing you use, especially towards the end of your set.”

“For the next mistake, two really interesting studies have found that participants experience more muscle growth when they only do the bottom half of the exercise (i.e., where the muscle is fully stretched). What does this mean?”

“Well, I wouldn’t recommend doing only partial reps from now on, but it does seem that the bottom part of an exercise when the muscle is fully stretched provides a powerful stimulus for growth. Especially in the distal regions of a muscle like the bottom part of your biceps. So, whenever you do your bicep curls, avoid cutting the range of motion short at the bottom position. Instead, extend your arm fully by flexing your triceps at that bottom position before you go into your next rep to ensure your biceps get fully stretched.”

“Third mistake: flexing your wrist on the bicep curl. The function of the inside forearm muscles is to flex the wrist.”

“Many people, when they curl, subconsciously flex their wrist when trying to get the weight up. This can lead to the forearms working harder than they have to be, and eventually lead to fatigue and cramping. Instead, next time you do a curl, first bend your wrist back so that it’s aligned with your forearm, and then keep it that way as you curl.”

“Next, let’s talk about the elbows. The primary function of the biceps is to flex the elbow. But whenever you curl with a weight that’s too heavy for your biceps to lift, your front delts will start to help by swinging your elbow forward.”

“Biomechanics expert Coach Kassem tested this and found that allowing the elbows to excessively sway forward during the curl (note: across all variations, including the barbell curl) led to less biceps activation and more front delts activation. So instead, keep your elbow locked and focus on the biceps’ primary function – flexing the arm. A little bit of elbow movement is perfectly fine and hard to avoid, but anything more than what’s shown here will likely lead to more of your front delts taking over instead of your biceps.”

“Last mistake: forgetting about mind muscle connection. If you struggle to feel your biceps even with proper form, try this out.”

“With your arm by your side, flex your biceps as hard as you can. Then, bring your arm up in front of your face and again flex hard. You should feel a very strong biceps contraction when your arm is in that position. You don’t want to do curls in that position, but you can do this to actually feel what a strong biceps contraction is like.”

“Then, when you go into the dumbbell curl (or whichever curl you prefer), rather than thinking about simply lifting the weight up, think about pulling the bar or dumbbell into your body. And, as you curl the weight up, focus on driving your pinkies up towards the ceiling. This emphasizes another function of the biceps, supination, which can help you get an even stronger contraction to get the most out of every single rep.”

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