Thought I closed an account by removing all my money from it. Apparently that didn't close it and they started with the negative balance also though I didn't get notified right away of a problem.
When I finally saw that balance I was thinking... how can a bank say there is a negative balance! (Bank of America which I'll never use again). Goes to show read all the fine print on the multi pages you get when opening an account I guess.
I talked to the manager and they reduced it.. but still had to pay some. I had never heard of "minimum balance fee" before... and still think it sounds like a big rip-off to get extra money..they could easily simply close an account. Good luck and sorry I have no good advice.