My wife does work for Huntington, but she is in the legal department, so she can't really help you. You are only really dealing with her if she repo's your car or you don't pay your loans. Your best bet is to talk to the branch manager of the bank you opened your account with or what ever your "home" bank is. They branches break the rules all the time, but I can't say for sure they will do anything for you. Customer service will only say sorry, but those are the rules and fees you agreed to when you opened your account.