(Closed) How to get out of overdraft fees??

posted 8 years ago in Money
Post # 3
Hostess
18643 posts
Honey Beekeeper
  • Wedding: June 2009

I would go to the bank and dispute the fact that they let the charge go through, that should remove the fees.  I think the new law says that they are supposed to deny any fees that overdraft your account.

Post # 4
Member
3344 posts
Sugar bee
  • Wedding: August 2010

If it’s the first time you’re over drawn, you might get them taken off.  Also, it depends on who you talk to and what kind of mood they’re in.  In my experience, getting overdraft fees withdrawn is hard if your excuse is that you’ve simply forgotten about a charge.  It’s easier in a situation where you made a deposit and starting spending against it before it cleared.

Post # 5
Member
3788 posts
Honey bee
  • Wedding: July 2011

Why two fees? Maybe start out asking for having them both removed and bargain your way down to having one removed? I think since you had a fee removed last year, it might not happen, but it never hurts to ask. A few years ago, I got one off simply because I had my account with the same bank for so many years. Or it helps to explain what happened; with mine, there was some sort of hold up on a refund being processed, so really, I had thought the money was there, you know? If it is reasonable like that, they might be more inclined to see your side. Since then, I keep a cushion in my checking account so that it never happens again. Even if I forget about a purchase before I can get deduct it from my balance, I know I won’t overdraft. I’m a student, too, so I know it’s hard in college, but taking a little money from savings is worth the peace of mind and avoidance of such fees. I hope your bank can help you!

Post # 6
Member
1566 posts
Bumble bee

This happened to me, and I talked to the manager at my local branch and got them removed. I had been a customer for the past few years and this had never happened before so I was able to plead ignorance (I thought my card wouldn’t work if there was no $$ in my account!) I think it’s honestly harder if it’s not your first overdraft. 

Post # 7
Member
1207 posts
Bumble bee
  • Wedding: December 2009

Do you have overdraft protection set up with a savings account or credit card?  If not, see if that’s an option.  A lot of times if you sign up for an overdraft protection, they will waive your fees.  But since you were overdrawn last year at one point, then they may not.  Good luck!

Post # 8
Member
3788 posts
Honey bee
  • Wedding: July 2011

Definitely talk to the local branch, not the bank wide customer service people! I forgot to mention that in my other reply, but GirlWithARing reminded me. That is why they took mine off that time I mentioned, because I’d been going there for so long and they knew me. A national hotline wouldn’t have cared!

Post # 9
Member
14186 posts
Honey Beekeeper
  • Wedding: June 2009

Does your bank have a back up program? If you sign up for it (you link your checking account with another checking account), if you overdraft, it’ll pull the money from your other accounta nd you won’t get fined. They called it like Overdraft Protection or something if your bank offers it. But since you’ve overdrafted in the past, maybe you just need to be more cautious about how you spend your money, whether you use a savings account also or if you track your spending more carefully. If you’re tracking, there’s no excuse to never not know exactly what’s gonig on…use online banking? It shows when things are pending or have cleared. Otherwise, enroll in a protection program. It’s free with my bank, but i opted out since I don’t cut it that close   

Post # 10
Member
3526 posts
Sugar bee
  • Wedding: August 2010

If it’s HSBC they are really good about that! I’ve done that a couple times before they have been great about taking it off. Just explain to them and usually they will take it off. Just be super nice and super sweet. 🙂
GL!

Post # 11
Member
1045 posts
Bumble bee
  • Wedding: January 2008

If the bank manager says no in person, call into the customer service line to ask.  If they say no, send an email.  🙂  Normally I get any charges taken off my account simply by emailing the customer service and asking them to remove the charge “as a gesture of good will,” and they agree to it.

Post # 12
Member
5263 posts
Bee Keeper
  • Wedding: June 2012

You shouldn’t have overdraft fees anymore, they should have denied the charge unless you specifically chose to opt-in to the program since the laws just changed. I’d express your concern over that fact, and highlight how long you’ve been with them, etc, etc. 

Post # 13
Member
2532 posts
Sugar bee
  • Wedding: August 2010

Fiance used to work for Bank of America and he said that it was VERY easy for them to remove the charges. In college i used to get overdraft fees all the time – and pretty much every time I would either call the bank or go into the bank and have them removed. If you are polite, know what you want and patient then you will probably be helped! It doesnt hurt to play the broke college student card (and cry) either!!!

Post # 15
Member
1288 posts
Bumble bee
  • Wedding: June 2010 - Indiana Memorial Union

I’ve been hit by a few fees in the past — I call and ask politely, and if they at first refuse, I say I will just close the account then. And then they very kindly remove it 🙂

Post # 16
Member
205 posts
Helper bee
  • Wedding: November 2011

I work at a bank and the best way to get them refunded is talk to customer service if they wont do them talk to the manager and be persistant with them.

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