All you need to do is pick up the phone and call your bank's customer service when you notice the fee. Be polite on the phone and say that you saw the charge and you would like it removed. Most agents will wipe it for you and tell you that they can only do so a limited number of times.
Is it legal for banks to charge overdraft fees?
In general, for debit card transactions at ATMs or at merchants, consumers must opt-in, or agree up front, that the bank can charge you an overdraft fee for any debit card transaction that overdraws the account. If you don't opt-in, you can't be charged a fee.10 Dec 2021
Can I sue my bank for fees?
Bank customers and credit union members who have been affected by deceptive checking account overdraft practices, such as unreasonable fees or unfair policies, may be able to file a bank overdraft fees lawsuit.2 Dec 2021
Can you sue a bank for overcharging?
With that said, it may be possible to sue banks in small-claims court or through class-action lawsuits. Small claims court involves suing for an amount of money that is often limited to $5,000 or less, depending on state law.8 May 2020
Can you dispute bank overdraft fees?
Fortunately, you can get an overdraft fee refund - and NSF, late payment, and bank fees are often refundable, too. All you need to do is ask the bank and hope you get a service agent who can help.
On what grounds can you sue a bank?
If you think a bank has been unfair or deceptive in its dealings with you, or has violated a law or regulation, you have the right to file a complaint. The Federal Reserve is particularly concerned that state member banks comply with federal laws and regulations that prohibit discrimination in lending.8 May 2020
How do you fight bank fees?
All you have to do is run low enough on your bank balance until a transaction takes your balance below zero. Every charge after that point incurs an overdraft fee as the bank essentially charges you for making it cover your transaction. The best way to deal with bank fees is to avoid overdraft fees in the first place.