Uploaded July 2026 | Updated September 2026, 2 weeks ago
Banks aren't charities. They're businesses that make more money when you don't know how they operate. Most of their secrets are buried in the fine print or hidden behind a smile at the counter. An informed customer is a less profitable customer. These are 25 things your bank hopes you never figure out.
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0:00 - Intro
0:19 - The Joint Account Trap
0:46 - Checking Accounts Bleed Cash
1:11 - Early Deposit Is Conditional
1:36 - Opt Out of Overdrafts
2:03 - Lock Your Mortgage Rate
2:27 - Update Your Bank Income
2:49 - Keep Old Cards Open
3:13 - The Minimum Payment Trap
3:37 - Prepayment Penalties Exist
4:02 - Check Deposits Are Illusions
4:26 - The Seven Day Hold
4:52 - Debit Fraud Drains Cash
5:19 - The Dispute Countdown Clock
5:44 - ACH Transfers Take Days
6:10 - They Share Your Data
6:32 - Surprise Account Freezes
6:58 - Dormant Account Fees
7:32 - Tellers Have Sales Quotas
7:55 - Suitability Versus Fiduciary
8:24 - CD Penalties Eat Principal
8:51 - Premium Checking Is a Scam
9:17 - The Foreign Exchange Markup
9:40 - The Double ATM Fee
10:07 - Just Ask for a Refund
10:34 - Transaction Reordering
🍿 WATCH OUR OTHER VIDEOS:
► 25 Most INSANE Bank Heists That Actually Happened: youtu.be/spv0kWio0pw?si=rE9g6UbWXj2iCFcY
► 25 Useful Things Your Landlord Doesn’t Want You to Know: youtu.be/hs5XEFerIwc?si=c50Ro8tw3cck2kGy
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Copyright Disclaimer under section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, education and research
Banks aren't charities. They're businesses that make more money when you don't know how they operate. Most of their secrets are buried in the fine print or hidden behind a smile at the counter. An informed customer is a less profitable customer. These are 25 things your bank hopes you never figure out.
Grab your copy of What The Facts now, available on Amazon! Click the link to explore over 500 fun and fascinating facts! 👉👉amazon.com/WHAT-FACTS-ARE-TALKING-ABOUT-ebook/dp/B0DFNR2KHT
Please support my channel and get access to perks:youtube.com/channel/UCWqJpFqlX59OML324QIByZA/join
🔔 Subscribe for more tips just like this: bit.ly/3Ewz99H
🚀 Watch our latest List25 Videos: youtube.com/c/list25/videos
📨 Have a list idea? Submit it here: bit.ly/3Mu3gk1
0:00 - Intro
0:19 - The Joint Account Trap
0:46 - Checking Accounts Bleed Cash
1:11 - Early Deposit Is Conditional
1:36 - Opt Out of Overdrafts
2:03 - Lock Your Mortgage Rate
2:27 - Update Your Bank Income
2:49 - Keep Old Cards Open
3:13 - The Minimum Payment Trap
3:37 - Prepayment Penalties Exist
4:02 - Check Deposits Are Illusions
4:26 - The Seven Day Hold
4:52 - Debit Fraud Drains Cash
5:19 - The Dispute Countdown Clock
5:44 - ACH Transfers Take Days
6:10 - They Share Your Data
6:32 - Surprise Account Freezes
6:58 - Dormant Account Fees
7:32 - Tellers Have Sales Quotas
7:55 - Suitability Versus Fiduciary
8:24 - CD Penalties Eat Principal
8:51 - Premium Checking Is a Scam
9:17 - The Foreign Exchange Markup
9:40 - The Double ATM Fee
10:07 - Just Ask for a Refund
10:34 - Transaction Reordering
🍿 WATCH OUR OTHER VIDEOS:
► 25 Most INSANE Bank Heists That Actually Happened: youtu.be/spv0kWio0pw?si=rE9g6UbWXj2iCFcY
► 25 Useful Things Your Landlord Doesn’t Want You to Know: youtu.be/hs5XEFerIwc?si=c50Ro8tw3cck2kGy
List25
Discord: discord.gg/ZcKZRspW7f
Facebook: facebook.com/list25
Instagram: instagram.com/list25
Twitter/X: twitter.com/list25
Pinterest: pinterest.com/list25
Mike
Instagram: instagram.com/michaelbestrin
Instagram: instagram.com/DizMeLife
Twitter: twitter.com/DizMeLife
Twitter: twitter.com/MichaelBEstrin
Facebook: facebook.com/mikeestrin
Cameo: cameo.com/michaelbestrin
Mike's Other Channel: youtube.com/dizmelife
See more lists on our website:
list25.com
Copyright Disclaimer under section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, education and research
