They a making money out of poor people with their ridiculous bank charges

They a making money out of poor people with their ridiculous bank charges. And you can't close the account when it's in a minus you have to pay the minus amount first even if you Don't have money. So they will only close the account once you pay the bank and fees charges you can't make arrangements to pay that amount it's because they want more charges to go off in your bank account. What a way of making money