Patricia Estela Murray (CRD # 2039682, Registered Representative, Birmingham, Alabama) submitted a Letter of Acceptance, Waiver and Consent in which she was barred from association with any FINRA member in any capacity. Without admitting or denying the findings, Murray consented to the described sanction and to the entry of findings that she charged a customer at her member firm a fictitious account “maintenance fee” when her firm imposed no such fee on customers.The findings stated that Murray directed the customer to pay the fee by way of a personal check written out to “cash.” The findings also stated that the customer complied with Murray’s instructions and gave her a check for $4,025.61, which Murray subsequently cashed.