I opened up an account for my 2 kids. They changed the rules appently and have been taking 10 dollars a month from each kid. Their accounts are nearly depleted. I will bring them in and let the banker tell them them what they did and let them cry and learn about the bankers that are evil. That is a sign of pure evil to take that money from a kids account.
maybe you should tell your kids that you didnt read the agreement you signed when you opened the account and that you failed to keep the minimim balance in the account so as to avoid a monthly service charge. then your kids will cry and say, "why is my daddy so stupid".