When he openned the account he must have signed some sort of contract or agreemnt in which these charges were named and if he signed he agreed to those rules and charges.

At some point the bank will absorb the accounts with low or none income for the past months but who could know if the bank is to file a complaint or call him to pay what he owes??

In the end what he owes to the bank is what he agreed in the very beginning when opening his account and signing all the docs.

Regards!!