I have UBS account for a few years. Recently they played an old fashion trick with my account. UBS sent a letter stating that the account will be converted from one form to another and it will be $70 service fee. To avoid fee the customer has to call and request to convert it to a form without a service fee. If customer does NOT call within specified time, then by default the account will be converted to account with service fee. The trick counts that many people will overlook and will NOT call, so the bank will assess service fee for as long as people are unaware. I recommend to stay away from companies who play these games.