I know it's costing me $10 a month, but I just won't do it. I don't want to allow any entity to withdraw money from my accounts. I don't have a debit card any longer because it was hacked twice. Verizon, which we use for internet, also wants me to allow them to deduct my payment directly from my bank account or they will charge me $10. When I told the woman that I don't allow that because of the possibility of hacking, she offered me a 'protection plan'. Of course, that protection comes with an additional fee. No, thank you.