Yes, as a default minimum, depending on your country.
I elected for electronic payments as those are supported with a USA bank. I set the default payment from $100 to "nothing" (or on demand) or whatever the setting was at the time.
My thinking was to accumulate a large credit and then to spend it on adwords for my own sites or maybe perhaps request a payment.
They took the whole thing and locked the account. When I tried to login I could not view my balance or any other details.
The ads were run on about 20 different sites under the same user ID because I was not thinking or lazy at the time.
If I were running adsense and I were to do it all over again, I would make a unique login for each site that displays the ads, and take the $100 as soon as they give it. That way if one site is banned from their network, you do not loose everything earned on your other sites...not to mention, all the other sites are permanently banned from running ads. What a *****!!!
I had a lot of faith in google as a legit company, and they really screwed me over.
Speaking of Spammer Forums, if your goal is a legitimate forum, and you do not want spammers, look here:
https://vborg.vbsupport.ru/showthrea...t=Spam-O-Matic
Mod Of The Month.
Get rid of spammers on your legitimate forum...