A、He has opened a new account. B、He has been in the hole. C、He began to pay a car loan. D、He had to deal with a financial crisis

M: I don’t understand it. (19)I got a notice from the bank that I had two rubber checks. I’ve never had an overdraft before.
W：That doesn’t sound like you. You’re always so careful with your money.
M: I am! I don’t understand what happened.
W: Let me take a look at your bank statement. OK, here are your deposits and withdrawals from last month. (20)Do you know that your bank charges you a fee just to have a checking account? It looks like you also have a minimum balance requirement. If you fall below that, you get charged a fee.
M: I don’t know that.
W: If it’s like my checking account, you can avoid that by getting direct deposit for your paycheck. (20)Do you also know that you get charged every time you use your ATM card to make a purchase?
M: I don’t know that! It is all rather unbelievable.
W: Well, that’s what happened. Your bank is charging you fees for all those things and after those fees were deducted, you were left with less money in your account than you thought.
M: That’s too much! How could they do that?
W: (21)They count on you not reading the terms and conditions and not looking closely at your statements.
M: I’ve had it! I’m moving banks.
19. What happened to the man?
20. What does the woman explain about the bank’s fees to the man?
21. Why doesn’t the man know these fees the woman refers to?