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Old 12-07-2007, 04:17 PM   #1
Presns323i
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How do i go about waiving a overdraft fee?

Soooo im a newb. sorry.

This is the first time ive overdrafted....
Rent + Skidazzle = me going poor.

Anyways, i went like 30$ over, so they charged me 20$.
(I just transfered money from my savings to my checking, so i have money in there agian)

I always hear of people getting their overdraft fees waived.... sooooo any suggestions what i should do?
Call or go in? What should i say? Any good excuses?

BTW, this is for BOA
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Old 12-07-2007, 04:19 PM   #2
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if its your first time overdrafting theyll most likely waive it.. it's better to go in in person. either way just be polite and tell them you're a newb and you wont do it again
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Old 12-07-2007, 04:19 PM   #3
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If this is your first overdraft and you call them up, they'll probably waive the fee.
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Old 12-07-2007, 04:20 PM   #4
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Yep. Ask for the manager. I do it ALL DAY LONG!!!!
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Old 12-07-2007, 04:21 PM   #5
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I'm in banking so this is what i'd do.

Bring the bank employee a "free hooker" coupon and he'll know what to do.

Ok but seriously. walk in there and explain what happened in a very nice manner and see if they can reverse it. If not they are assh0les.
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Old 12-07-2007, 04:22 PM   #6
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Originally Posted by SollyD View Post
I'm in banking so this is what i'd do.

Bring the bank employee a "free hooker" coupon and he'll know what to do.


Dude, I'd make an extra deposit into your account in addition to the fee refunds if you brought me one of those!!!!!!!!!!!!!
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Old 12-07-2007, 04:25 PM   #7
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hope you're chummy with the ppl who work at a certain branch for your bank. make sure if you have any deposits close to the time where you overdrafted that they input your deposit correctly.

once i made a deposit cash in person with the teller on friday morning (counts as same business day deposit) and then went and bought some stuff over the weekend. it turns out i overdrafted like 5 times (just the fees were 175 total!) cuz for some reason my deposit was put in as a monday deposit rather than friday. i just took my deposit slip to the bank branch manager where i put it in and they waived all of em.

edit::: citizens has a great checkin account where instead of overdraft fees, if you have a savings account linked up...they just pull it from there.
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Old 12-07-2007, 04:30 PM   #8
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some bank wont do it...like National City Bank

TCF will give 3 every 6 months.....
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Old 12-07-2007, 04:31 PM   #9
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If its a student account, you have 3 over-draft fee's that they'll except without a charge, you just have to go personally to the bank.
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Old 12-07-2007, 04:34 PM   #10
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yay, thx guys
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Old 12-07-2007, 04:37 PM   #11
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Originally Posted by PhillyKatBMW View Post
hope you're chummy with the ppl who work at a certain branch for your bank. make sure if you have any deposits close to the time where you overdrafted that they input your deposit correctly.

once i made a deposit cash in person with the teller on friday morning (counts as same business day deposit) and then went and bought some stuff over the weekend. it turns out i overdrafted like 5 times (just the fees were 175 total!) cuz for some reason my deposit was put in as a monday deposit rather than friday. i just took my deposit slip to the bank branch manager where i put it in and they waived all of em.

edit::: citizens has a great checkin account where instead of overdraft fees, if you have a savings account linked up...they just pull it from there.
almost every bank does that

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yay, thx guys
is there a gay smiley because i just pictures you saying YAYYYYYY and jumping in the air lol.
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Old 12-07-2007, 04:45 PM   #12
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Old 12-07-2007, 04:48 PM   #13
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im still waiting for my wire transfer from africa

how long does it usually take????
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Old 12-07-2007, 04:49 PM   #14
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ahahhaaa
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Old 12-07-2007, 04:59 PM   #15
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im still waiting for my wire transfer from africa

how long does it usually take????
Keep checking. It's on the way. Trust me.
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Old 12-07-2007, 05:18 PM   #16
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Just be polite and say "Can you waive my fee's, its my first time and it totally slipped out of my mind".

Second time: "Can you please waive my fee's, I know its my second time, its just that I've been so busy with work and all"

Third time: Pretend as if your interested in taking out a huge loan with them, and while talking about the loan just be like "Oh yeah, it seems like you guys charged me a overlimit fee the other day.." and they'll waive it on the spot. Then be like "alright, let me review this loan with the rest of my partners, Thank you."

Always works, especially the loan one. And also take care of whoever that does all your banking by giving them small gifts every season or so, trust me they can do alot of stuff. I had a banker call the corporate office once to waive the fee (it was like my 5th time)
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Old 12-07-2007, 05:20 PM   #17
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I fukin hate BofA. I used to bank with them before I started working at WaMu. I asked them to close both my checking and savings accounts. Apparently the tellers can't close accounts.. only supervisors can. So they just told me they'll close all of it. I went back a month later and it's STILL open, charging me 10 bux for their service fee and they told me they can't reverse it. I went to the branch next to my branch on my lunch once and told them I KNOW there has to be a way to reverse it. She told me the only way is to call customer service. SO Now I have a $10 charge on my savings account that I haven't taken care of. I'm gonna walk in and pay it off in coins that I have saved up next week.
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Old 12-07-2007, 07:18 PM   #18
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almost every bank does that


is there a gay smiley because i just pictures you saying YAYYYYYY and jumping in the air lol.
apparently BofA doesn't...he had to personally transfer his some savings into his checking according to his first post.
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Old 12-07-2007, 07:22 PM   #19
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went and got the fees waived!

and BOA does have overdraft protection... i just didnt have it set up...
i did that tonight...
apparently you still get charged tho.... but its 10$/day for as many transfers....
vs the normal 20$/transfer....

still lame... but not as lame
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Old 12-07-2007, 07:22 PM   #20
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apparently BofA doesn't...he had to personally transfer his some savings into his checking according to his first post.
most places you have to set it up they dont just do it.
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