Just a suggestion, I had some similar fees on my account at one time...go in person and talk to your bank manager. It's real easy for them to blow it off when it's just somebody calling on the phone, if you go in person, you are a real human being with a problem that is actually pretty easy to fix. When I did this, they took a few minutes to think about it, and then agreed to waive all but the first fee. They also made it very clear this would be a one time deal. I don't think it would have worked over the phone. Hope this helps.