<prompt> Human: Okay so I use Education Systems Federal Credit Union esfcu as my bank and they have been taking out 8.95 every month for low draft fees since September. The thing is, I have opted out for overdraft fees like a year ago and the only amount that you need to have in your bank at any one time is 5.If the minimum number to have in your bank has changed, then I was given no warning whatsoever.I mainly use this account to pay for my gym membership which is 30 a month and Im a student who doesnt work. This is why I dont check my bank account much since I have just enough for my gym membership.What can I do about this?  <response>: If you are not monitoring your statements, you are probably not monitoring any account changes either. So, probably nothing. Its the price of not monitoring your account. Get the app, set up notifications, pay attention to your finances. 