just the fact that they charge people with low income an extra 10$ a month when they could be moral and not do that, it shows what kind of company they are. Stick it to the people who can't afford it. The person that thought to charge people who make low income an extra 10$ a month should lose his job and have all his money taken away so that he//she knows what it is like to suffer. And if you don't have this money in your account they ROB and STEAL from you again by charging you an overdraft fee, even though it was them stealing the money by force from you at the start. They don't care about anyone but the wealthy, so don't go to this bank or any sterling bank if you have morals, and ethics, because no one there does.