Clark has been pretty unhappy with several banks that have entered into alliances with “marketing companies” that supposedly offer some kind of service. One of these companies is called “Member Works,” which has changed its name to Vertrue. Clark has heard complaints about this company over the years, and now the state of Iowa is going after it for signing people up for services and then deducting the amount from your account. The companies can do this because they are in a relationship with your credit card or bank. One man was having a fee deducted from his account for 16 months without his knowledge. You must check your bank and credit card statements with a fine tooth comb each month. And be wary of trial memberships and free memberships.