Chris, if as i suspect the daily account still runs the same way, they play the stock market with your hard earned after about 11 am your balance will show zero until the close of banking, (as i found to my cost some years ago) my advice would be to close this account down asap, maybe the charges were at a time when the bank was playing with your money? and account was showing a zero balance? speak to Cenk on this site he will point you in the right direction.