How to Avoid Overdraft Fees

Find out how to get overdraft fees waived at Chase Bank, Wells Fargo, Bank of America and more.

On a hectic weekend of running errands, it’s easy to lose track of checking account transactions along the way. If you overdraw your account, banks might charge you an overdraft fee of $35 or more. Fortunately, with some know-how, you might be able to get that fee waived.

Whether an NSF fee was the result of an innocent oversight or poor timing on an automatic payment, you can save yourself considerable cash if you learn how to get overdraft fees waived — or avoid them altogether. Overdraft protection is another option. Although overdraft coverage helps you avoid the embarrassment of having your debit card declined at checkout, it can push you deeper into debt, especially if you live paycheck to paycheck.

What Is an Overdraft Fee?

An overdraft fee is also known as nonsufficient funds fee or insufficient funds fee — is a charge you pay the bank for spending more money in your checking account than is available in your bank balance, resulting in a negative balance. Overdraft fees typically cost around $30 but vary by bank or credit union. Expect to pay big for Bank of America, Wells Fargo and Chase overdraft fees, as well as at most other banks.

What some consumers don’t know is that you have a good chance of getting the overdraft fee waived with a quick phone call to your bank’s customer service line. Find out what you should say to successfully get overdraft fees waived.

How to Avoid Bank Overdraft Fees

Overdraft fees range from about $10 to $35, so just one overdraft per month could cost you $120 to $420 per year. The more aware you are of that cost and your options for how to avoid overdraft fees, the better you can manage your money. Consider your spending habits to determine which method of avoiding overdraft fees is best for you, or try a combination of methods to avoid fees.

Here are five steps you can take to avoid overdraft fees:

1. Opt Out of Overdraft Coverage

If you’ve been hit with overdraft fees one too many times or you want to avoid the hassle of asking to get these fees waived, opting out of overdraft coverage can spare you a lot of grief. Without overdraft coverage, any time you attempt to spend more money than there is in your account, the transaction will be denied.

2. Turn Off Automatic Payments

Automatic payments make it easy for you to forget about your monthly bills. If these payments are making it hard for you to gauge how much money you have to spend, turn off automatic withdrawals. Being able to control when you make payments helps you be more mindful of the money going in and out of your account.

3. Set Up Direct Deposit

If your paychecks are automatically deposited into your bank account, you’re less likely to overdraft. If you’re still depositing checks the old-fashioned way, it could take longer to clear, and you might not have enough money in your account in time to cover any pending charges — especially if you procrastinate heading to the bank. Depending on your bank, recurring direct deposits could even clear a day or two earlier than expected, helping you avoid overdraft charges and access your paycheck sooner.

4. Get Overdraft Protection

Overdraft protection links your bank account to another account, such as checking or savings, or a line of credit. Whenever you overdraft, your bank will pull out funds from your backup account, typically a savings account, and charge you an overdraft transfer fee, usually around $10 to $13 per day or per transfer. This could cost you less than overdraft fees. For example, the Bank of America overdraft fee is $35, whereas its overdraft protection fee is only $10 per transfer.

Find the best way to control spending, and reduce how much you spend on these outrageous bank fees. Banks and credit unions have become more sensitive to how customers respond to overdraft fees in recent years, so there’s no reason to let these charges hack away at your funds. In some cases, you can get your bank or credit union to waive the fees for you.

5. Check Account Balance

Of course, the best way to avoid an overdraft fee is to know how much money you have in your account. To do that, you should check your account balance regularly, so you know how to manage your budget.

See: 12 Banking Fees You Should Never Pay

Overdraft Fees at 10 Major Banks

If you opted into your bank’s overdraft protection program, expect to pay some hefty fees for the service. You might pay less in checking account fees, however, and some banks’ overdraft programs have begun waiving bank overdraft fees — not to be confused with monthly maintenance fees — for transactions that overdraw your account balance by $5 or less.

Here’s the cost of overdraft fees and overdraft protection at major banks including Bank of America, Chase and Wells Fargo:

Overdraft Fees at 10 Big Banks

BankOverdraft Fee

Overdraft Protection Fee

Bank of America$35$10/transfer
PNC Bank$36$10/charge
TD Bank$35$10/transfer
U.S. Bank$36$12.50/day
Wells Fargo$35Varies

How to Get Overdraft Fees Waived

Not many depositors stop to contest overdraft fees because they’re usually the ones at fault. However, even if the blame can be solely placed on your shoulders, you don’t have to suffer these costly fees.

Follow these steps to convince your bank to waive overdraft fees:

1. Remain Polite and Patient

Even if your request to have an overdraft fee waived is initially shot down, don’t lose your head. Regardless of the barricades your bank representative might put up to deny your request for a waiver, press on with kindness. No one wants to deal with an irate customer who’s yelling — talk it out with the associate and remain pleasant throughout the entire exchange.

Los Angeles resident Jaime Catmull was shocked when she found she’d been charged several Wells Fargo overdraft fees of $35 each after a quick meal at McDonald’s. But she quickly found that a polite tone and simple request was all it took to save her over $100 in fees.

“All I did was call them up and ask to have the entire string of overdraft fees wiped off my bank account,” Catmull said. “I made sure to ask nicely. They didn’t question me for an explanation at all, and waived every charge on the spot.”

Related: 31 Worst Fees in America

2. Make a Straightforward Request

Typically, a simple phone call will suffice to get the fee waived. You don’t need to give a long and grueling explanation from the onset. Your initial request can be as simple as:

“Hi, I just noticed an overdraft fee on my account. I’m calling to have it waived.”

The representative will likely put you on hold to either review your account or seek approval from a supervisor to proceed. With a positive approach, you’ll likely see equally positive results.

See: Customers Paid Over $6.4 Billion in ATM and Overdraft Fees in 2016

3. Focus on What a Great Customer You Are

If this is your first offense, or if it’s been quite some time since your last overdraft incident, play up your good customer report card. Explain that it was a one-off mishap and refer to your sterling record.

If your account has never slipped into the negative before or your paycheck is direct deposited into your account, you can strengthen your case by asking for a good-faith waiver. Many checking account holders, including Andrew Schrage of, have had success using their good rapport with a financial institution to get their overdraft fees forgiven.

“The last time I switched banks, I, unfortunately, didn’t do a very good job of staying organized throughout the process,” Schrage said. “I switched my direct deposit into the new account but forgot to transfer a few automatic payments from my old account. As a result, two utility bills were drawn from the old account when there weren’t enough funds to cover them.”

Despite planning to switch banks anyway, he decided to pursue a waiver request: “I just told them there was a problem with my direct deposit,” he said. “I previously had a very good history with the bank and had never faced an overdraft before, which helped me to get a one-time adjustment.”

4. Leverage Your Loyalty

Loyalty can play a major role in your ability to get overdraft fees waived. Since the Bank Transfer Day movement in 2011 — when tens of thousands of people pledged to switch from banks to credit unions to protest high bank fees — financial institutions have been wary of losing their most loyal customers because of their fees.

When talking to your bank, note how many years you’ve been a customer with the institution and add in the number of active accounts you have with the bank to prove your point. A response similar to this might help turn the tables in your favor:

“I’ve been a loyal customer for 12 years and opened a number of accounts with this bank because I was always treated right. I really would like this overdraft fee waived. What can you do to help me with this?”

If the customer service representative sounds determined to not waive your charges, you don’t necessarily have to take no for an answer.

5. Make an Appearance

Visit your branch in person and speak with an associate about how to get overdraft fees waived. It’s a lot harder to say no to a customer in person. By being patient, sincere and pointing to your loyalty as a customer, an associate will be hard-pressed to say no to a waiver.

Check Out: 5 Best Banks for People Who Hate Fees 

You have the power to prevent your financial institution from getting more of your money in fees — if you learn as much as you can about your bank’s overdraft rules and how your accounts work. In the process of managing your accounts carefully, you also can build a stronger rapport with your financial institution, which could benefit you in the long run.

Laira MartinBrian Nelson and Jennifer Calonia contributed to the reporting for this article.

  • sbarrytown

    Bank of america—refunded ONE of three od fees because I asked them. My issue is-I checked my account at the end of the day~three debits-all cleared. Leaving me with $250 in that account. The next morning an overdrawn account as I had forgotten about a $300 check that was out. But they withdrew in order of amount-so they charged me 3 fees. Rip-off

    • Dave

      heh paid a bill on their “free billpay” and it went through on the 4th. electric company confirms this to. but us bank never updated the deduction but showed it paid which si ironic cause I paid 2 other bills the exact same day and time within a min of each other and they were transactioned on the day they all were suppose to be paid, the 4th. but the electric didn’t show up till the 9th and I got overdrawn… uh what?

  • kari

    U.s. bank never updates theit online site…multiple over drafts…hate them

    • Jon Goff

      Here’s an idea, balance your own check book. Know how much you have, how much you spend and do the math. It’s simple addition and subtraction. If you stop relying on someone else and took responsibility for your money, you might not be bouncing checks. At any given moment I can tell you, to the penny, what my balance is, without going on the Internet because I, me, no one else, keep track of my money.

      • rene

        Ok “10key Jon”, the balance sheet guru. One transaction per month, then maybe dude. Layoff – be realistic and don’t troll on behalf of the Big Banks(too big to jail). If a bank institution is charging me monthly fees then I expect the data to be up to par. Banks are shady….don’t you know?

      • AvoidTheChase

        When a returned item (+$75) takes 8 days to be credited to my account, a $15 purchase during that time ends up costing me $79!!! ($75-$15= -$15? Plus a $34 insufficient funds fee… Plus a $15 over draft fee for every 3 days balance remains negitive, so TWO of those…) I understand that bank cannot keep up w/ every transaction as its happening (really, i do) but shouldn’t fees be waved (retroactively) based on date item was returned/store released credit??? Grumble, grumble, logic, grumble…

      • smarterthanyou

        Congratulations on your perfection, Jon. You sound like a blast to hang out with. Just FYI though? Chase intentionally posts transactions in different orders and later/earlier than they actually occurred to put the account into a balance and charge the maximum # of daily fees. Settled litigation.

      • Confucius

        Why is there a fee at all? Its not like there is a person at the bank personally handling the overdraft, it’s a computer!!!

        And the bank provides a website with an account register that changes my account (dis)information daily, so I never really know what exactly I have.

        IMO, if a bank authorizes a transaction (say for a cup of coffee) they are responsible as they have all the information, not me.

        Let’s be honest, these banks are criminal organizations.

        Have a nice apoplectic moment…

      • Hi I’m Jon and I’m an ass

        You’re an idiot. As a college student I kept track of my shit and still managed to overdraft because I DIDNT HAVE THE MONEY AND I NEEDED TO EAT. imbecile

        • Ryan Ginger

          Your not a very polite person or very professional are you? Why do you have to get so cry baby defense over a little comment responding to your very *I’m Mr. Perfect* post. So what if you think your better than the rest of society, I can assure your not.

      • It’s a secret

        You’re rich though. Mr. Goff is a regional manager of a billion dollar company. millionaires often forget how depressing it is to keep track of pennies, and how difficult it is to live paycheck to paycheck. now, if I was paid as much as you, I would love keeping track of all the money I was given by way of other people’s hard work.

      • skyler

        You are a fucking bitch. Shit happens sometimes you fucking cunt. That’s life things get thrown at you like car accidents deaths and what not. So don’t come here and act all high and mighty you fucking birch your identity could get stollen tomorrow and you would be fucked. Good day

  • Jon T

    On the first suggestion, I think is the best. I personally prepare for these kind of calls being foccused on what the goal of my call is and therefore not let emotions get in the way. I find that in general that there id a magic phrase that most people respond do on a human level, “I need your help, Can you please help me”. Doing that first before the details and letting the Representative do their thing and feeling sincerely valued by you. I will be sincerely humble and appreciative.

  • Dedie

    I bank at regions since oct 22 the bank had taken over 1400 dollars in bank fees in which they caused it! Now how can I get my money back since there the ones that caused it?

  • Adi

    Thanks! It worked! I also threatened to change banks, though super nicely, I never yelled or anything. I just said we’ve been with you almost 10 years as a married couple and I’ve been with you since I was 15 (15 years ago) and if you can’t help me, I’m going to have to find a bank that cares about their loyal customers. Three overdraft fees for small charges (ranging $2-8) taken care of. Thanks!!

    • GBR Casey

      Wow, that’s awesome! Thanks for sharing your success story 🙂

  • Kitty

    I do have to say…I work for customer service for a cellphone company, so, as you can imagine, we get a lot of people looking for credits. And honestly, the whole “I’ve been a loyal customer” and “I’ve never been late” thing actually gets REALLY annoying. To the point that I will be less likely to issue a credit at that point. We hear it dozens of times a day.
    What makes me way more likely to help someone when it comes to credits is if they’re polite and acknowledge that they messed up (provided it’s their fault–if it’s the company’s, just don’t make a big deal about it. You’re going to get your credit either way, but it makes the whole thing way more pleasant if you can be calm and just realize things happen and that the company will fix it).

    • HarleyQuinn

      I agree. I’ve worked in all sorts of customer service roles for different companies. I am much much more likely to assist someone who doesn’t go into, “i’ve been with you for 20 years…”….well, yes, I can see that on your account. However, if they approach me with honesty and are polite, “hey, I know I messed up- i’m just looking for a little help with this..” I will do everything I can to resolve it for them

      • Tina Donald

        First, Adore your screen name! Next, Much agreed. I’ve been on both sides or the Customer Service Relationships. I have become incredibly frustrated with one of my banks because of the charges I was receiving at the most inconveniencing times. I have cursed out multiple clerks a my banks as well as over the phone…from pure frustration alone. And needing to vent.

        An example is certain places (especially online vendors like Amazon or E bay! DEFINITIVELY APPLE) will not charge you until the items have shipped out. This makes the date of purchase different from the date of post. For the longest time, I had not know that was the case. I have often wondered why dates of post were not matching the days I make purchases, which made it difficult when I shopped at local institutions that immediately withdrew the money. When you have a varying mix of online and local purchases, the shakedown of your account is wacky. And while I managed the money I had, I did not account for payment delays, which are really in position to help you.

        Most people don’t realize this, but once they do it makes it better. I know leave a buffer of 100 dollars in my account. and I also have a “Overdraft Protection” savings account where I choose to put 50 dollars in from bi monthly paychecks. For me, I don’t necessarily care about the fees, I just don’t like the idea of thinking I have money only to not have it. I would much prefer to have money in my account when I go to purchase something.

        Most people ask why you don’t just opt out of overdraft services. Because those days where you absolutely broke (paycheck to paycheck lives you in this position regularly), you need a little help. As long as you pay it back before it post, you should be all good. of course, don’t borrow more than you think you can pay back within at least 3 or 4 days.

        However, Karma is what karma is and I have worked at institutions where people have come flying in off the handle. I have had to reiterate myself multiple times to people who refuse to listen to your logic. That is frustrating and I feel less inclined to help. BUT, I have been that flippant patron so it actually helps me better empathize.

  • Rose

    It didn’t work for me with Wells Fargo. They were very rude and said it was the system’s decision and they couldn’t overturn it even if they wanted to. I spoke with two people and both railed off the same nonsense. I think I’ll be switching banks, but I doubt any are better.

    • sadtimes

      The same thing happened to me as well. 3 accidental over draft fees (I over drafted about $25 total) at $35 per fee. Direct deposit was put in my account within 12 hours, multiple other deposits as well. They were horribly rude, refused to refund or waive the fees, but instead gave me back $26 out of $105. I will be switching banks soon.

    • Nick

      I’m with Wells Fargo as well, somebody stole a check from me and cashed it for $180 now I have 4 overdraft fees at $35 each and the bank is saying they can’t help me out… It’s been 4 weeks and I don’t write any checks and they’re still investigating but they turn me down saying all they see is a withdrawal like no shit but it wasn’t me who made the withdrawal you didn’t notice the suspicious check writing and you didn’t secure my account refund my check along with the overdraft fees and take it up with whoever cashed the check

  • TiredofOvedrafts

    Got $140 waived by BOA. I called first thing when they opened and politely asked to have the entire string waived and she took care of it no questions asked!

  • Liss

    I MY bank is Kern school credit union.. and I’ve found this bank is the best of the best… they don’t charge me for anything.. unfortunately, I’ve had 2 overdrafts on my account.. I just called them and follow you advice of being polite . I told the operator “I wonder if you can help me to get waived the $30 fee? And she said give me a second.. at the end she just told me your $30 have been credited to you coconut.. you have a new balance of….” love the way I got my money back without yelling. .. thank u for the advice

    • liss


  • Fee-d2death

    Just had an overdraft fee waived from my bank and got this reply back “We will give you a courtesy waiver this time but we cannot do it again” Needless to say, due to circumstances of recent checks being deposited sooner than expected, I have again incurred overdraft fees. So all the sweet talking in the world is not going to get them removed once again, no matter what this says. It all depends on how valuable a customer you are to your institution.I have no doubt a member with a 5 or six figure account balance would get fees removed more easily than one with a three digit balance.

    • Keith B. Dixson II

      If you had 6 figures, there wouldn’t be an overdraft

      • AvoidTheChase

        Ha! LOVE your wit! First time I’ve smiled all day!

        • Keith B. Dixson II

          No problem

  • San Diego Mayor

    Work for me. Had a 2 months old $92 OD fees removed.

  • Angelo_Frank

    Simple: Opt-out of overdraft protection.

  • barner

    I have never asked for a waive before, is it possible because of having too many overdrafts pay check to pay check to get a bank to even consider waiving the fees? Because of a garnishment months ago I have yet to recover from.

  • Disgusted Donna

    Guaranty Bank was the WORST I’ve ever seen as far as fines go! I made a Deposit that more than covered expenses I incurred the day after the deposit. Then, about 1 1/2 weeks later, I started getting a string of OD notices from them…@$35 each, mounting up to an astronomical amount of money! Now, they COULD have called me, but no….making money by charging fees was more important than customer service! The original reason why they bounced the checks? I needed to wait 3 days for the entire deposit to clear, as there was ONE check in the deposit! And, that didn’t cover the charges that came from everywhere I wrote out checks to that were part of my original deposit! GB customer service allowed me ONE fee to be written off….$35…. That was it! Needless to say, I’m not with them any longer!

  • GreedyNeedy

    Wells Fargo-no empathy or sympathy when bad things happen to good people’s account with our own human error! Robotic responses! Only credited back 1 OD Fee & said “supervisor” can’t do anything about the 2nd one-charged in stone!
    I thought BOA banking was a PITA; Wells Fargo takes the cake.
    Bottom line-after paying $7.00 a month to use their bank, charging $70.00 in OD Fees on a $6.99 transaction-Defanitly closing my accounts with them & I will be telling anyone & everyone who will listen how they operate to the blue collared USA Customers hard earned money.
    Ready to say the hell to all banks & their fees! I work hard for my money-they don’t earn my money!
    Greedy Needy

  • Ron

    I just want to thank you for this article. I got I never thought to simply be nice and ask! It worked for my credit union account, but not for Bank of America. Time to make too big to fail a little smaller by closing my account! =)


    This post is pathetic ! I work for Wells Fargo, and this will not work. You may qualify for a courtesy waiver here and there but threatening to close your accounts will do nothing unless you have a large balance. Broke people cost the bank money, not make them money. The only revenue you generate are the fees lol your measly investment benefits the bank .. nada ! learn to manage the few pennies you do make and stop harassing other hardworking people who are just trying to make a living by DOING THEIR JOB !


    • MicMel

      *(Not Trolling or trying to be rude, just a sincere question): What won’t work, asking for the fees to be waived or getting fees back via small claims case? What position do you hold at Wells Fargo, if you don’t mind me asking. Consumer’s need both sides of the story to successfully carry this process out. I went to U.S. Bank just today and the “manager” was pretty apathetic about me closing my account. I was only using it to transfer funds to a separate bank account.

    • smarterthanyou

      Sounds like that Wells Fargo job is keeping you really happy, positive, open-minded, interested in fairness, valuing more than the almighty dollar, etc.

    • Tina Donald

      Whether you are trolling for comments or not, I much prefer to still address you. Because most people live on “The few pennies they do make” and still needing things, it makes it hard to do just that. Also, it is relatively cool that you find it easy to blatantly disrespecting who are not well of, mocking their income, as if they need to be making a certain amount to get you hospitality. I would just like to slide in this really amazing word that you should start researching, its really common, but most lack the common sense to see it. It’s called KARMA. You’ll reap it big time. You will be the one pinching those meager pennies and there will be people like the previous you who look on without mercy. I pray it doesn’t hit you at the most inconveniencing time. But, keep me updated because it is sure to come. You have a nice afternoon!

  • Reese

    Good tips. Life can get crazy sometimes and sometimes things like this happen. It’s good to have this how-to.

  • Elyssa Kirkham

    Beyond this, depositors should definitely consider opting out of overdraft protection as some banks will still charge a fee even to transfer from a savings account. Or find a new bank that doesn’t charge an NSF fee — they are out there!

  • Rosie

    Bank of america charged me two over draft charges on the same check! I wrote a $10.00 check a month ago and I got charged for that . That’s my first over draft and I’m going to the bank in person today and I’m going to asked them to waive the fees.

  • Tashawn Michelle

    Why are we being charged for it anyway? I just want you to decline it. I dont want overdraft protection I just want you to either pay it if the money is available or decline it if its not. SIMPLE

  • robin

    I long ago discovered how not to have any fees and I’ve used this technique regardless of where I’ve lived:

    First of all I bank ONLY with local institutions. They are invested in your community and you. Yes, they are small, however, they all also have most of the online options that the big (too big to fail) banks do — they just aren’t usually all wrapped up with a ton of flashy packages (which, oh btw, costs money that gets passed on to the customers). These banks can and do loan money at very competitive rate to the area’s small to medium sized businesses, as well as mortgages and personal loans. In fact, they can often be more flexible in making loans because they are local.

    I make an effort to actually go to the bank closest to my work or residence (which in my case is the same branch) once a month to get the cash I estimate I will need for the upcoming weeks — I seldom use an ATM. This way I get to know the tellers and at least wave at the loan officers so the staff begins to recognize my face and, eventually, my name. I engage in brief, pleasant conversations — weather or town/city-wide events are always easy and takes no time. If and when a glitch of any sort happens or I need advise or a notary, etc, they have a clue who I am.

    The biggest thing I always do when I open an account is to create an open loan that is linked to my checking account (this can be done at any point, not only at the beginning). In the banks I have used this is not fixed to my saving account, though having one is helpful — some banks require the customer have a savings account or use a money market. When I occasionally go over my checking account limit, the bank automatically pays the outstanding check(s) up to the level of the pre-qualified loan amount. This way I am charged a daily interest rate until I pay it off, but that is a minimal cost and I am notified immediately online or within a day or two by mail. Just as one would want to do with overdraft protection, I do pay off the balance right away, usually by transferring some funds online from my savings account (or I can call them and ask they make the transfer or I can actually go to the bank) . But choose when and how to repay the loan, they don’t do it for me. I have never gone over my loan amount. I assume if I did I would then trigger the big fees that are discussed in this article.

    The end result — no big fees. Nor do I have to have any monthly maintenance fees, either.

  • Kristy Kirkland

    A few years ago I over drafted but I did not know and I was younger (maybe 10 years ago) and so I thought or was told if and when you over draft your bank is supposed to contact you. But apparently they do not have too so my Mom and I went and talked to my bank PNC. And I remember saying something like Obama did something where banks can not keep hitting you with the over draft fee (again I was 10 years younger, but my Mom said all Obama did was sign a paper he really did not do it) and the lady working at PNC looked at me and said well we do not have to really follow that and I thought the president said that and you don’t have to follow that. But I over drafted again (only because I am helping my sister and her friend by paying a few of their bills right now since their money is tight. So me not realizing I over drafted and again PNC kept hitting me with that over draft fee. I even contacted them again and they said well you wont get hit with the fee when you are not minus any money. I think that it is time for me to change banks.

  • Nick

    Had 2 $35 overdraft fees from 2 $4.99 automatic withdraws and a fee for overdraft Protection with a charge of $12.50 which put my account at -$83.47 Here’s the COMMON SENSE about this situation: If there’s no money available for the purchase, why is the bank letting the purchase go through and not declining it? Ya I should have payed more attention to the auto withdraw but then again, I should not be charged for the transaction if there were no funds available period. It should have been DECLINED. Isn’t that the whole point of a “Declined Transaction”, to DECLINE SERVICE not “oh here you go, it says you don’t have enough but we’ll charge it anyway and let the bank also take $35 from you too, per transaction” One thing that isn’t really working is the “Protection” in Overdraft Protection, cause it certainly didn’t protect me from incurring fees.

  • Bryan G. Graham

    Literally just got off the phone with Wells Fargo. I had a subscription from Amazon Prime that I wasn’t aware I still had, since I thought I removed the card information six months prior. Two transactions I had pending on one of my cards (days before I had this $49 fee on my account) went through after the Amazon Prime charge went out and overdrafted me for $35 each. I contacted Amazon and they refunded me for the $49.

    The first time I called them, I explained that I was calling specifically for the overdraft fee. The banker said that they wouldn’t be able to reverse it directly but instead I could file a claim and have the charges waived that way. So I opened a claim about the $49 charge, even though Amazon was planning on reimbursing me said charge to begin with. This morning when I called, I found out that the claim was closed, but since they knew the specific reason why I opened the claim, which was just for the overdraft return and not the unauthorized charge, they gave me my $70 back.

    I realize that there are some bad experiences on this page, and my heart goes out to them. The idea of just burning up $119 for something that wasn’t (completely) my fault was sickening. If anyone else comes to this page, I say that you should absolutely, positively try to call them, multiple times if you have to, especially if you can prove to them that you weren’t simply swiping your card carelessly and knew your account was in the negative.

  • shantell

    overdraft with pnc to 150 dollars would they waive the fee?????

  • sd

    Just got my overdraft fees ($70) waived with no headaches (Wells Fargo). Admitting your error, and being nice/polite is key.

  • Sequenis Pye

    It worked! And I have Wells Fargo. I simply called and when the representative answered I was just very polite and treated her like an actual human. I said the magic phrase “I was wondering if you could help me with something please” and stated that I’d like my recent overdraft charges waived and she didn’t even ask questions she just refunded it. Never knew how easy it was to do this. Really glad I read this article

    • deAtH-[b+Y]-steReO

      same here. I’m just directly quoted “Hi, I just noticed an overdraft fee on my account. I’m calling to have it waived.” and the representative said. “sure, let me help you with that” dropping 2 overdraft fees. I was surprised how quick and easy it was