The other report nailed it. I don't even remember signing up for an account but I KNOW I didn't authorize them to charge me and I've NEVER used their services according to their own customer service reps. Luckily I have USAA and had it straightened out in less than ten minutes. It's only 10 dollars a month but if you're not paying attention, that can add up. Also, there's no telling how many other people they are doing this to. I signed up for this account for ripoffreport.com for the singluar reason of writing this report to desuade others from this rip off company and thier disingenuous practices. STAY AWAY