I have a bank account with Commonwealth that was opened for me by my parents when I was a kid, I've had it for 26 years. I've used it all through my life as my main account until the last year or so when I got a mortgage with ME bank, and I send my salary there for offset purposes. I use a commonwealth credit card for everyday purchases like groceries and move money to the commonwealth account for PayPal stuff, bills that I haven't got around to moving to the ME account and getting cash out and paying off the card.
I don't really need the account and I am being charged $4/month account keeping fees. I went into a branch and asked if it can be lowered but I'm not a student and apparently $4/month is the lowest they've got for non-students.
It sounds ridiculous to be sentimental about a bank account, which is just a bunch of numbers (that I've had memorised forever…). Have had the credit card a long time too (have also had the CC number memorised a long time, which makes online purchases so convenient). This also sounds ridiculous but the account number, BSB and my CC number have nice patterns in them. I am very attached to patterns.
ME bank has apple pay so that's not a reason to keep the commonwealth account. I love cardless cash in the commbank app but it won't kill me to keep a debit card in the car in the case that ME bank can't do something similar, though their website/internet banking is trash so I don't have high hopes. (I've lost the habit of taking a wallet around with me)
I should close the account, shouldn't I? It makes me so sad to contemplate that. I didn't think of asking while I was in the branch, but can an account be transferred to another person? Can I keep it until I have a kid and transfer ownership of it to them, so the numbers and transaction history don't get lost (and they'll be a kid, so no account fees until they're in their 20s)?