I think you are being just a tiny bit over-controlling. I don’t know how intertwined your finances are with DFH, but deciding what bank account(s) he chooses to keep open isn’t really your concern with consideration for the fact that it isn’t for nefarious purposes. I’ve been in this exact scenario- my DFH has a bank account he doesn’t truly need, doesn’t use, and pays fees to keep open. But it has been helpful during very infrequent, extenuating circumstances. I’ve tried countless times to get him to close it because we completely share finances & it’s a (small) money pit but ultimately, he makes his own money (we both do) and who am I to have a stranglehold on what he considers useful even if it’s infrequent. I think you should give DFH some room to breathe. Don’t make a mountain out of a molehill and definitely don’t die on that molehill. Just MHO.

That being said, his lying by omission that he would close it, is absolutely worth your concern.