I found a charge on my bank statement for 3 month Jan through March and was unaware since I only use this account for one particular thing and got an overdraft notice which made me investigate and not only is this charge of $29.95 they also have another company that is charging $2.00 per month- mvq*yoursavingsc 17CT, which is Your Savings Club. They did the same thing and it cost me over $100 with over draft fees. They said they would give me 2 months credit at credit score complete and I hope that is true.