Getting outrageous bank fees dropped.?Recently my PNC Bank checking account was overdrawn for 1 business day then a deposit I made cleared and it was ok again. I have never been overdrawn before. One check and one Visa check card transaction made it overdrawn, so the bank charged $31 for each item, totalling $62. I plan to go talk to someone at... | |
Simply talk with a bank rep and explain your dilemma. Let them know you are well aware of your mistake but also point out the the closeness of the deposit as opposed to the overdrawn charges. Don't forget to also point out that you have not ever had an overdraft charge in the past and that you are a loyal customer. Ask them to please drop the charges. Most banks will drop overdraft charges up to $100. They should at the very least drop one of the charges. Hope this helps.
Go speak with someone at the bank. They'll probably work with you and help out. If they don't, you can always change banks (there's at least 1 on every corner).
You always have to be mindful of the bank fees and services.
Not that they are really doing you any favors, but it could have been worse. They could have bounced the check and that would have really messed you over with the merchant (more fees and bigger headaches). Not to mention that writing bad checks is against the law and folks have been known to go to jail for bouncing checks.
Link your savings account with your checking account and use the savings account as the overdraft protection. The bank will charge you about $5-10 (my bank charges $5) to automatically transfer money from the savings account to the checking account to cover the withdrawal. This will avoid racking up any fees.
If you don't have a savings account, then apply for a line of credit for overdraft protection (about $1-2K). It should cost you nothing to have it, and you only pay interest if you use it. It will be cheaper doing this, then paying those fees.
I bank with PNC and they are probably one of the most difficult banks to work with in regard to getting funds back/ handling disputes of any kind. I would speak to the brach manager if I were you. I've had MUCH better luck with the managers over even the simplest of issues. Your best bet is to simply approach him or her with confidence. They will try to talk you out of your money. Stand up to them, without being brutally agressive. If they refuse to help you in reducing the fees or with any kind of reduction or forgiveness (which I don't think they offer) simply tell them what you plan to do (be it go to another bank or what not) They generally change their minds when you speak of taking your buisness elsewhere. Best of Luck to You.
I know bank fees are an organized crime!!!! Go to your banker, talk about more feasible accounts, ones that you don't have to pay so much for....Its ridiculous really. If you don't get anywhere with them, maybe look at doing your banking somewhere else.
Do your homework first, don't let them tell you these are your only options....There are other banks out there with better fees and that are willing to work with you.
P.S. I'm sure your banker will accommodate you more knowing that you are not happy with their fees and that you are willing to elsewhere...
Good Luck To You....Take care of "YOUR" money!!!!!!
Try pointing out to them, politely, that this has never happened before, and they may drop one of the fees for you. That happened to me once, and my bank dropped one fee, and made me pay the other. They felt it was in their best interest to compromise on the matter, and I felt the agreement was more than fair. If your bank won't compromise, then you might want to switch banks.
