La gente sigue abriendo cuentas en bancos que ya no dan servicio

Banks are quietly shutting off legacy accounts — the old-school checking and savings products that never got the app upgrade. When a bank decides a product is no longer profitable enough to maintain, it stops accepting new customers. Then it starts moving existing ones to newer accounts. If you don't move in time, the old account just closes and the money gets sent to whatever account is on file.

The practice has been building for years. As the big banks consolidate, they're retiring products like the old Discover card accounts, the non-APY savings accounts, and the basic checking products that used to be the default for millions of people. The shift isn't announced with a press release — it happens in the background and lands in an email or a letter. For a lot of working families, the old account was the one they actually knew how to use.

Why this matters for us: la gente que confía en sus cuentas viejas sin leer los correos puede quedarse sin acceso al dinero — y a veces el banco ni siquiera le avisa a tiempo.