Also a bad experience with Santander Rio - seems banks are behaving like thieves even more. Got approached by a rep trying to get me to open account - stipulated 24 months without fees. After 12 months suddenly 500 pesos gets deducted from account, happens again this month (2x so far). I call them and they tell me the no fee deal was only 12 months not 24 months. Have the paper that explicitly states 24 months - show my local branch. They say they will "try" to fix it and get fees refunded. In what moronic world is this behaviour acceptable to violate the terms of the agreement. In my opinion it constitutes theft - the issue is no lawyer is going to bother over 1000 pesos so whats the next course of action to get the money refunded/account closed?