not2cleverRed
Obvious Observer
Make them show what these charges were for.The old closed account was Chase Bank. Chase told me the account was closed in 2011 and charged off. Then it was sold to a collection agency. The amount deposited by the employer was not enough to pay the balance. The bank account that the employer was instructed to direct deposit my pay after I was hired back last year is US BANK. This routing number and account number was emailed to them with an attached blank check to assure accuracy. A return email from the payroll manager confirmed acceptance of the new bank info. I closed the Chase account because I moved to a city that had no Chase bank location. Chase has yet to tell me what the balance was for. Still waiting for a list of those charges. I only used a debit card on that account. So it wasn't for returned checks.
If they are charging you a monthly fee for failing to maintain a minimum balance on an account that you closed, then contest it.