I'd try calling them first.
If you don't get the answer you want, you could "hint" that you will be closing your account(s) and moving the funds elsewhere, and will be filing a complaint of unfair business practice with the BBB and the AG. Keep in mind, they may have a smappy retort, but you have every right to complain when a financial institution starts double-dipping with multiple fees for a single transaction. More so when THEY initiate the transaction to pay for THEIR mickey-mouse fees!
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