I have an X.com account.  I received the following:

Monday October 2, 2000

Dear X Finance Customer:

This email is to notify you of changes to the terms and conditions under
which First Western National Bank provides banking services through the X
Finance website.  These changes will take effect on November 1, 2000.

Monthly Account Fee
All accounts with an average monthly balance of less than $100 will be
assessed a $12 monthly maintenance fee.  The initial fee will be assessed
on November 1st and subsequently on the first business day of each month.

ATM Rebate
Third party ATM surcharges will be reimbursed only for accounts with an
average monthly balance of $100 or more.

Also, we reserve the right to close an account if you maintain a zero
balance.


Please review our revised Terms and Conditions at
https://signup.x.com/help_termsofuse.asp for more information.


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