Donna, I am sorry this happened to you and happy that your banker realized what is going on and reversed all of the charges for you.

It seems as though more and more companies are requesting to dip into your checking account to pay a monthly bill - such as the phone or other utility.

They claim it is "so easy" for you - no stamps - no paper work - yeah right!

And what about those times when you have "no money" and want to delay that payment just a few days?

I don't trust them - any of them - and will not allow anyone to debit my account for anything - unless it is my own choice when I purchase something.

But, I also, go online regularly to check on my account.

There are those that while we are sleeping - are up all night figuring out new ways to scam us