We were charged $ 3.95 for a first charge I guess to see if we would notice the funds were being withdrawn. Then shortly afterwards we were charged $49.95 a month since February for services we didn't ask for or use. When I contacted this company they just kept talking in circles & wouldn't answer any questions that I asked of him. I finally had to have the bank cancel all my credit accounts and issue new ones, which is no easy feat as I'm sure most people know. So my advice to everyone is watch your banking statements very closely even if it's just a one dollar fee you dont recognize, act on it immediately to save yourself some money& most of all the headaches involved & time. John&JoAnnaJones