I was charged $6.78 first then $31.98, this company is affiliated with PRIVACASH 1-866-243-9554. The lady I spoke with was Sheryl and the Accountants Name is Debra. Sheryl said she was going to call me back and within 10 minutes called me back to get more info and said will call back tomorrow. All things point to closing checking account to be on the safe side.