my fidelity account was closed a long time ago. Back when I didn't even know what MS was. I was using it to bank my ebay money. Once I made a mistake and overdrafted the account by a small amount. They just closed it without even an email or phone call. I found out when my paypal transfer to the account got returned. I was not very happy about it. I called and they were also very nasty about it.. Most banks just charge you a fee for overdrafting but fidelity seems very in intolerant.