Your Account Freezes After Just 30 Days

My checking account at TRUSTCO is a secondary account I use when I am in NY.   I hadn't used my account in about 2 months and decided to make two payments for state income tax using ACH electronic check on 1/15/2013.  Two weeks later the state sends me two letteres saying the payments were rejected because of "frozen account".  I called the bank thinking there was fraud activity.  They told me the account becomes automatically dormant after 30 days.  To make it active again I would have to make a deposit.  They didn't think that policy was at all unreasonable.  I talked with four other banks and they said they wouldn't make an account dormant for two years.

I pay my real estate taxes using ACH transfers.  Late fees on real estate are several hundred dollars.  This is a risky bank to do buisness with if you are a senion that doesn't do many transaction in a year. Monthly bank statments gave no notice that the account was frozen.  Oddly enough, I became an account holder because I have a large stock position in this bank.  I still feel an obligation to warn people about a practice that is so out of the mainstream.  I have also filed a complaint with bank regulators.