We too were charged 19.95 on our checking account. If i hadn't deposited money 30 minutes before that was taken out, we would had been charged for insufficient funds. The bank gave me an 888 number to call. I spoke with a woman i could barely understand. I told her I had no idea what value max was yet alone obtain a membership. She said they would credit it back to me and "thank you for choosing value max" and hung up! I did not choose value max! I had never heard of it! I would file charges but I have no money to get a lwayer... read full review »