Unbelievably, I discovered that my Wachovia bank account was being charged $19.95 per month by Best Benefits. I immediately went into the bank and stopped the charges, and had them call the 800 number to find out what was going on. I received a letter from them, with Wachovia Insurance Agency referred, telling me that the card attached would attract discounts at my local pharmacies; doctors, etc., but stated very clearly that "THIS IS NOT INSURANCE". To test their claims, I visited the Pharmacies, and doctors that they had identified in my area, and, surprise, surprise, no one had heard of this offer. I had told my bank to cancel their charges, but, lo and behold, another charge came through last week. Went back to the bank, to be told by the Best Benefit representative on the phone, that they would mail a "letter of dispute" form for me to complete to enable them to provide details of their solicitation, and our commitment. My wife and I would NEVER agree to something like this over the phone, and certainly not divulge our bank details. They are now into me for $120+, but it is my plan to take whatever documents I receive (if I do) to my lawyer, and even if it costs $500, I intend to nail them to the wall over this!!! BEWARE, FOLKS.