Husband and I just opened accounts in Citrus county Florida branch. When asking about the $55 fee for the card, the rep stated that would be charged after one year. We had a significant conversation about this, where I asked so in December 2010 I should see the fee for $55 and not before then. she reiterated to us several times, it would be after a year. so if we see it before then, we'll call and I'm sure she'll remember us and what she said.