I was shopping and decided to check my account balance before using my debit card and imagine my surprise to find it overdrawn by $93. I immediately drove home and upon accessing by account on-line learned that PVC Inc; eClubUSA had cashed a check from my account saying no signature required, authorized by your customer. Not only did they receive $49.95 from my account but this unexpected, unauthorized transaction also caused a negative balance on my account resulting in an overdraft fee. I had never heard of this company, let alone authorized them to withdraw money from my bank account. read full review »