was in the negative. What is a really good reaon for being able to get them removed? My bank is US bank.
2007-01-22 14:59:01 · 8 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
Don't listen to the last answer. There is something you can do. It was an accident and a lot of times your bank will work with you to take off at least a few of the NSA fees. Just go into the bank (don't call over the phone) and ask to speak with the manager about your account-- managers are the only ones that can over-ride this and make sure they're the first you talk with---don't talk to the bank teller unless you have to. Tell them your situation (you will be more successful if this is your first time dealing with a NSA fee and if the bank knows you:). The key is to be confident. Don't be mad and don't be ashamed. Don't fall in automatically if they say you owe $150. It was an accident, you are a long time/ brand new customer and you will be willing to pay for 1 or 2 overdraft charges, but definetely not for 6! Usually you won't have to get this far, they are usually quite willing to work with people especially in these types of situations. I do know that it is very unlikely they will take off all charges, but almost always they will take off a few NSA fees. Before you vote mine as best answer try it for yourself tomorrow. It never hurts to ask and I'm sure you'll know what to do with your money that they took.
2007-01-22 15:18:47 · answer #1 · answered by Siege 2 · 1⤊ 1⤋
Even if the movie theater had taken the money out immediately, you still should have had the overdraft when the bank took the service charge. Since it is a monthly service charge, it's normal and should be anticipated. The overdraft is on the balance of the account and it does not matter if it was due to the bank fee or to a purchase, it still would have happened. I suggest getting a credit card from the bank that can be used for overdraft protection. That's what I did. I have a credit card with a low limit from the bank. This way any potential overdraft is simply charged to the credit card and does not produce an overdraft fee. Keep a better eye on your banl balance and plan for these recurring charges.
2016-05-23 23:42:00 · answer #2 · answered by ? 4 · 0⤊ 0⤋
Well, just not realizing you were negative isn't a good reason, however, some banks will forgive if it's your first time. If you can, get some kind of overdraft protection for your account. That will help some of the fees, but they will still charge you some money even with the protection. Best solution is to manage your account better, cause overdraft charges will kill you.
2007-01-22 15:04:45 · answer #3 · answered by broncoguy75048 2 · 1⤊ 0⤋
Will the pain of $125 be enough to cure you of being a space cadet with your account ?
Be glad this didn't occur when you were trying to do some real adult business like purchasing a home !
Imagine how that cookie would crumble !
Pay it and maybe you will NEVER do it again .
2007-01-22 15:10:34 · answer #4 · answered by kate 7 · 0⤊ 0⤋
Some banks let you remove 2 per year that is it, otherwise you are out of luck. Next time keep track of your spending habbits, and balance your checking account before you spend money on things.
2007-01-22 15:03:47 · answer #5 · answered by Em C 5 · 1⤊ 0⤋
If this is your first issue you can ask. If they say no, you can "threaten" to take your business somewhere else which isn't too big of a threat if small purchases are causing you to overdraft.
2007-01-22 15:08:34 · answer #6 · answered by Scott C 2 · 0⤊ 0⤋
If you were overdrawn you owe the money whether or not you "realized" you were short money. You cannot get them removed.
2007-01-22 17:10:14 · answer #7 · answered by Anonymous · 0⤊ 0⤋
there is no good reason other then theft. you owe it, so buck up and next time pay attention or pay the bank.
2007-01-22 15:02:52 · answer #8 · answered by brp_13 4 · 1⤊ 0⤋