my bank account is billed monthly foe .99 what is this for

It may be a subscription -- to see and/or cancel subscriptions, see instructions in How to cancel a subscription from Apple - Apple Support

Another possibility for a recurring charge is for an upgrade from the free 5GB iCloud storage plan to the 50GB plan. To see what plan you have, see: Downgrade or cancel your iCloud storage plan - Apple Support

If neither of the above helps, be aware that this is primarily a user-to-user support forum; other Apple users like you. We don't have access to information about charges to your account. See each of the steps in the following instructions. They include information on contacting Apple Support if the other steps don't help: If you see 'apple.com/bill' on your billing statement - Apple Support

Click here for information. If the article doesn't cover them, use the link to contact Apple Support.

(201525)