Won't let me download anything from the App Store on my iPhone 5

When I try to update an app I already have from the App Store it ask me to verify my billing information. When I complete that it says transaction failed because of insufficient funds. The app was free when I bought it and all the apps I do buy are through a savings account so I don't understand if or how I could owe money. Now it won't let me download or update anything without updating my billing information and it always comes up with the same message. Has anyone else had this problem? Please help.

https://expresslane.apple.com/

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