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I got charged for the privalige of having an agreed overdraft for a while, but then I didn't pay anything for using said overdraft.
Needless to say I abused their refund policy by upgrading to the account that charged but had free overdraft, then used a minor price hike as an excuse to downgrade to a normal account again, being so close together I got it all refunded and no penalty charges.
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-Jenn
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