My first BIG problem was I set up a bank account just for my on line work, but I used the debit card from that account for all the “trials.”  When the fees that I didn’t know about came out of my account, it was over drawn and resulted in fees which would over draw my account even further.  After my first mishap, the bank was more than willing to help out.  After the second one – much worse and way more over drafts – I discovered my bank would only “excuse” overdrafts the first time there is a mistake.  After that, I’m supposed to get reimbursed from the company who took the money – like that would ever happen.