<prompt> Human: I currently go to a gym that charges my credit card monthly. The new gym Im looking to go to its a bit farther but much much nicer and about the same price - my old gym feels more like a nursing home hence the switchHowever, this new gym Crunch Fitness accepts credit card only for the first month and sign up fee, but then requires checking account info for recurring payment. It is a 12 month contract which is fine by me.Could I refuse this and if so will they be able to charge my card monthly instead? I realize there are credit card fees involved hence why theyd rather take checking. Can I offer to pay in full for the year? If I do give the my checking account, how easy is it to cancel my account after my 12 month contract is up?Id like to hear from you whether its at this gym or a different gym with similar practices. Ive heard horror stories about misc charges crunch fitness only stated the 50 annual maintenance and 40 sign up feeCould I have my bank block them if they were to pull some shady stuff or cancel the checking all together? If they send me to collections and I have a copy of my contract is that enough? What kind of hoops do gyms make you jump through to cancel your account. Ive been sent to collections before by a PC manufacturer 6 months after winning a dispute with AMEX - I simply told the collections guy that I won the dispute and my side of the story and he told me to forget about it. Its been over 2 years now and never affected my credit in any way  <response>: Dont do it! I process overdrafts at a credit union and this one of the 1 causes of oversrafts. For example, Planet Fitneas will attempt on via ACH to collect their monthly dues up to 6 times if there are no funds avaialble. You just dont know about what kind of procedures theae businessea have . 