This happen like a year ago but i better post this usbank put me under $0 after taking out advances causing 3 overdraft charges of $40, long story short I could pay it off easy but there NBF of $8 daily was killing it there was a time when I would be able to pay it off and I told them by email also that I was able to pay it off if they can wait till i get paid again by Direct Deposit I had like -$12X left to pay at the time and it would be back past $0 but then they hit me with not paying my advance off fee of $330, so now I am in a settlement with the bank to pay it off for $390.15 BUT i already pay 1/3 that but they didn't update the total balance left on it which imo I think could be a scam too !