I'm new to the smart phone world. I have the unlimited data package but, I am trying to figure out what things are free and what things I will get charged for. For example, I downloaded the bank of America free app to do on line banking but, it said you may be charged by your carrier if you use this service. How do I know if I am going to get charged? Is there a list somewhere on the verizon site that list what is not included in your data package?