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Checking acct overdraft question.
Posted: Mar 1, 2015
I accidently wrote a large check from my acct instead of someone else's. A week(!) after the overdraft, I received the notice online. I have been charged $35 three times a day for 1 week. Once a day would be reasonable, but 3? Is this normal? This is the first overdraft that I can recall. I wanted your thoughts before calling the bank tomorrow. Tried finding info online, but keep getting routed to their overdraft protection services sign-up page. Thanks for any info. ;
I'm shocked - that they would charge
[ In Reply To ..]3 times a day. I've personally never heard of such a thing. Even once a day seems excessive, but I guess I've heard of that. I will say I accidentally had an overdraft one time also, and when I went in and explained, very calmly, they said they would remove it since it was the first time. I was very grateful and said I'd say good things about them, so that's what I'm doing now: That bank was PNC.
Talk to manager - Susan
[ In Reply To ..]I have gotten help by calling the manager of the bank, explaining the error, or in my case it was a company renewing a subscription or something unexpected. I've had most of the fees credited as I've used this bank for 20 years. Three times a day is excessive! Could they have charged you 3 times as much the daily amount as it included a weekend? If they really charge you 3 times a day I'd definitely change banks! Good luck.
Go to the bank in person and discuss it - with the manager.
[ In Reply To ..]You need to understand why it happened. It might have been an error, or the person to whom you wrote the check might have tried to redeposit it three times a day for a week.
Whatever it is, the manager can deal with it for you, if they feel that there are extenuating circumstances.
Get the overdraft protection.
My thoughts - sm
[ In Reply To ..]I would think you would be charged for each check that tried to present that would be insufficient. So if you had 3 checks trying to present against your account in OD status, you would incur another $35 three times. If you had 10 checks show up you would have $35 X10. However, I don't think if this is the only check that is OD and the account has been static since that one presented and took you into OD, there should be anything more than one $35 charge.
Cover it - Another opinion
[ In Reply To ..]The first thing you need to do is cover the overdraft or they will just keep charging you, also go to the bank and talk to the manager. I have never heard of being charged 3 times a day unless items are being presented for payment from your account and bouncing. The $35 is not a one time charge, it is for every transaction as long as you stay overdrawn. Sign up for overdraft protection and keep some money parked in savings so that they can transfer funds if it happens again. I have that in case I mess up. My bank charges $30 per transaction. All banks are different, so you really do need to talk to them in order to get it straightened out.
Thanks for the responses. - MUPpuppy. sm
[ In Reply To ..]I looked at the statement more carefully and believe "sm" was right about being charged daily for 3 transactions initiated after the overdraft. Will go to the bank tomorrow and talk with a manager. I do take responsibility for this stupid mistake, but it can't hurt to ask if some of the fees can be removed. Hopefully being a customer for 20-plus years + first overdraft helps my case.
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