It's true and I got the bank to delete all the $11.01 charges but still have the 24.28 start up fee, overdraft fee and stop payment fees left. I put in a request to the bank to dispute these costs but it takes 7 - 10 days and I couldn't believe it until I saw it. I was going to pay a car insurance bill and way I shocked to find out I was overdrawn and how. That is why I'm telling you it could happen to you and be careful.
