<prompt> Human: Last year I opened up an account with Ulster BankIm Irish and got a debit card. Im still a student and havent used that card in about a year. I recently just got a job so I figured Id set everything up, you know, enable my mobile banking and stuff so I can check my phat stacks on the go when the cash starts coming in. One problem, my account balance is -55.82? How is that possible? I havent touched the card in about a year, I checked the transactions, there havent been any deposits or withdrawals since I last used it. Anyone have any idea?tl;dr Read the title  <response>: Annual fee? Monthly fee? Low balance fee in account funding that card?These are a few of the usual suspects. 