Interesting. The lawyer in me says that if an account has a zero balance then it wasn't "charged this fee" and therefore that sentence wouldn't apply. But the r

Interesting. The lawyer in me says that if an account has a zero balance then it wasn't "charged this fee" and therefore that sentence wouldn't apply. But the realist in me understands that this nuance is likely lost on them. The real question is: what sort of notice do they give before doing any of these things?