I just noticed I was being charged a fee of 20.95 per month, I am a person who doesnt balance my checking account monthly I just monitor it online. After finding this charge I have gone back and looked and this has been going on atyleast 15 months, to go back farther I have to pay my bank to research it. I never authorized this use on my account at any time. I have contacted the phone number on my bank statement 4 times and they cant find a record of charging me etc... I am fed up. This is atleast $314.00 they have taken fraduantly.