yea i kena that from citibank.... RM200. some of the flexi plan outside required u to withdraw a minumum amount from ur a/c cause these options is chargeble. OCBC if i remember correctly, they charge u RM50 everytime u withdraw the minimum amount which is RM1k i think. so call service charge. that was last year. maybe this option has changed...

im currently having a home loan with citibank and they are very very efficient fellows. due date on the 28th every month, u still dont bank in, they will start calling u evening time to remind u even thought u have 2 month access payment in ur a/c. kinda neat actually. there is no charge for withdrawal of my access amount. but im not planning to take it out unless absolute nessasary.