I have an Health Savings Account which I learned was managed by UMB Bank. 

In XXXX, I wanted to use the remaining balance in my HSA fund. 
I pulled up my HSA account website to verify the amount, which was {$18.00}. 
I used that exact amount for a medical bill. 
Afterwards, I received an overdraft bill from UMB Bank stating that my balance was below {$18.00} and applied a {$25.00} NSF fee. 
I called to inquire why my balance was below {$18.00} and why it was different from what the HSA account website displayed. 
UMB Bank told me that there was a monthly service fee that they incurred, which I was unaware of. I do not recall receiving any document regarding this " monthly service fee. " This monthly service fee is what reduced my balance below {$18.00}, thus generating the overdraft scenario. 
At that time, my balance from UMB was negative {$33.00} and still incurring monthly service fees until I close the account. 
This started around mid XXXX and now my balance is - {$36.00} due to add'l monthly service fees until I close the account. 

As a consumer, I feel like this is terribly unreasonable as the information I had always used to verify my balance was inaccurate and I was not aware of the monthly service charge which caused the overdraft scenario. 
UMB Bank has been unhelpful and dismissive when I try to contact them to fairly resolve this issue. They 've just demanded payment or else they will keep incurring the monthly service charge. 

XXXX 
