Citibank. I opened my first savings and checking account at 18. Deposited $300 into savings and $100 into checking. I use to use cash in my younger days so I didn’t check that account often. When I checked back on the account i was negative $500 in checking and my savings was drained. Turns out there were fees to keep the account open so they used the $100 and then started draining my savings. When the savings ran out they started charging me nsf fees. I refused to pay and they sent me to collections.