I have sent mail and they have sent me in writing that there will be no charges for me on non maintenance. And same like you on dc chargesI tried and was hell bent to close
2 THINGS STOPPED ME
1. I was told on chat that the AMB is not required and I have a Lifetime free bank account without any need to maintain any balance. (I have taken pics of it as there is no way to send the chat transcript to email and screenshots are not allowed)
2. If you spend 25k on the debit card in a year, there will be no card charges as well.