I found a charge on my checking account for $39.95 from a company that I had never heard of. I looked into past months to see if there were additional charges. That is when I found a $1.95 charge the previous month. My guess is that was a test, to see if I would notice the charge, and then charge additional amounts. I had no luck in finding any information on the company. The phone number that was listed on the charge to my account had a recording asking I call another toll free number. When I called that number it disconnected me. Luckily my husband works for the bank that we use, and I will not have to pay these amounts, but I did have to go through the hassle of closing out my account and opening a new one!!!!!