However, TCF sent him a letter on Oct. 12 informing him that it had charged him a $9.95 monthly maintenance fee six days earlier because the account had a low balance. That led to an overdrawn account by $5.10, which then led to a $28-a-day overdraft fee. The account was 10 cents over the $5 threshold for which the daily fee kicks in. Young Ganziano's account was now overdrawn by $33.10.

Ganziano, who works in the nonprofit sector, and her son went to the bank that weekend to close his account, the Tribune reported. But they first had to pay the accumulated fees, which totaled $229.10.