^^ same here. Started out of FLR. Made the mistake of doing it on dialup, though... All of my cookies died before they could be verified.
Here's a tip that may or may not be useful to somebody, and not just for this kind of thing:
If you're ever stuck with recurring fees and can't get rid of them, just call the bank and report your debit card as stolen/lost. They'll give you a new card and number, and poof. no more fees.