For all you BankOne (Chicago) CheckGuard customers... I got a notice that my CheckGuard (overdraft line of credit) is being changed: 1. Moving from BankOne to FUSA (yeah, same company, I know) 2. Interest rate decreased from 18% to 13.99% (never revolve on that one anyway) 3. While my account will change to a new "Visa" account number, I will not get a card 4. Each access of the credit line will be charged $5 So, I guess that FUSA will wind up giving me a "card" afterall ... but this $5 fee thing really sucks.