((((((bigcasper)))))) I don't know how well you know your bank but I live in a small town and they know me. I guess if you can't get a hold of your rep and you are charge extra fees at the bank. See if the bank will work with you. They might and they might not. Tell them what has happened and they might - I say might - forgive the fees. I hope all this works out for you. Hugs for your day.