Re: Planet Fitness - Take my money..please...
I can't stand these types of requirements either. Seriously, a few years ago, I helped a coworker set up a budget after numerous financial hardships, and he found a couple of memberships that he had been paying for from his wife for years, and couldn't even remember the places.
My wife wanted to join a place like this, even though we own a gym, so we set up an alternate account at our credit union. I put in a year's worth of funding for that and the various other automatic drafts she has - and no more. I also made sure that there was no money swapping options on the account from other accounts, and I'll get text alerts when the fund is getting low. There was no charge for any of this, and my credit union allows you to set it all up online.
That's just me - I'm a little obsessive with protecting my accounts.