Apparently when you pull out all your money from a Bank account, it doesn’t necessarily mean that you have acquitted yourself from any of their hidden charges, SMS fees, credit card renewals. A friend transferred money to my old bank account at NBK by mistake and the bank simply put a hold on 20 KD for no (Clear) reason, they say it might be SMS fees or Credit card fees. It had Zero balance for over 6 months now, and when I asked them last time, they said it would be OK to keep it that way, not mentioning that it will incur negative charges!!! Any way i’ll be waiting to hear from the bank today. But a word of advise, anyone with accounts that aren’t being used should visit the bank and create an official draft to the bank that they wish that all their account are closed at the bank, even the ones with Zero balance. The same thing happened with my old KFH account, but they clearly stated that 10 KD was for SMS fees which were always clearly communicated! Customer representatives always tell you to visit the main branch, but you can simply create a draft at the bank and request that your account be closed!