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That doesn't sound like you l! How do you buy groceries? How can your account be in active for a whole month!?!
This is a SAVINGS account that I use to get immediate cash in the event that I cannot use my ATM card to access my other checking account, which is in an out of town credit union. Not everyone takes a credit card, and often I can get a discount on car repairs if I pay cash.
ATM cards can be lost or damaged so they do not work. Sometimes people pay me by check and I want to cash it immediately. I cannot cash anything immediately if I have to mail it away.
Again, my account being inactive costs the CU nothing, so why should they charge me for it?
That was my point.