Banking is highly regulated at both the state and federal levels, it astounds me that they're able to have such a blatantly consumer hostile clause in their ter

Banking is highly regulated at both the state and federal levels, it astounds me that they're able to have such a blatantly consumer hostile clause in their terms. Either this is plainly unenforceable (which happens and companies do all the time), or it is illegal and will get them a fat fine (seems unlikely though), or we live in a dystopian-Randian hellscape (most likely).