Writing checks or using your debit card without enough cash in your account can trigger overdraft fees. Overdrafts fees are charged by financial institutions when bank accounts have a negative balance. These fees are expensive. But if you made an honest mistake, you can possibly get your bank to fix or waive this fee.
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Visit the bank branch in person. Speaking with a customer representative over the phone may not produce the desirable results. Go to the branch that you frequent and ask to speak with the manager.
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Ask to have the fee waived. Simply asking a manager for a one-time reversal of a bank overdraft fee can work — especially if she recognizes you as a long-term, loyal bank customer and you have other accounts with the bank.
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Plead your case. Don’t take no for an answer. Be respectful and polite, but explain your case in order to get the fees fixed or waive.
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