[anon-coward]

I managed to get somebody on the phone today, and they confirmed that regardless of what it says on the website, that you WILL be charged $3.95/month regardless of your account balance.

I went ahead and cancelled my account today, and I suggest that you all do the same. They told me that because I had a zero balance, that I would not be charged the $25 cancellation fee, but given the shady nature of the service to this point, that remains to be seen.