Customer De-Acquisition

I have a business checking account at Commerce Bank. Last week, I was shuffling money around and left the account with zero balance.

A few days later, when I tried to deposit a check, I was shocked to find that my account was closed. An apologetic phone rep informed me that bank policy is to close any checking account that has a zero balance for two days. I would have to visit a branch to get it reopened.   Couldn’t do it over the phone. It happens a lot, she said.

Maybe Commerce Bank has a good reason for not wanting empty accounts on its books, but empty and dormant are different things. 

I like Commerce Bank; business checking is free and they’re open Sundays. I went to my branch and allowed them to acquire me all over again.

What policies does your company have that de-acquires customers?

Comments

[Eliezer Gonzalez]

I love your concept of "customer de-acquisition!"

It is what so many companies do!

I have written a short, hopefully humourous article on "customer de-acquisition" (called the "The Opposite of Customer Retention") in my own blog.

Keep up the good work.

You should blog more often!