what are viable excuses for overdrafting that tellers/phone people will take so you can get the fee back?

Question

i overdraft a lot and if i tell a good story they'll usually give it back. i need you people to get creative.

becca - i don't want overdraft protection. if i deposit a check but it doesn't clear, i still want to get that money out. it's mine damnit. judy - i have had that conversation with the employees (a lot). that why i need something juicy.

Answer 1

you need to get over draft protection on your account..then you dont need to worry about it any longer

Answer 2

When you call with an excuse, they'll look at your accoiunt record. If they see a long history of frequent overdrafts, they're not likely to believe whatever you say.