I think it’s the banks way of taking some of the money before it’s legally taken by the state. In many if not all states, if a bank account is inactive for 3-5

I think it’s the banks way of taking some of the money before it’s legally taken by the state. In many if not all states, if a bank account is inactive for 3-5 years, the state considers it “lost” and takes the money until it’s claimed in the future. So the bank will try to drain as much as possible for themselves before that happens.