posted on: 9/8/2011 10:39:58 AM EST
You Do not Need to Bay Bank Fees
bank fees, bank charges, fees, charges

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In challenging economic times, banks are seeking extra ways to charge us for their services. Some are even charging a minimum of $10 per month for checking account fees! Charges have shot sky high during the past few years.

Is it really doable to get rid of those fees? Some ideas.

A monthly fee for utilizing a checking account might be negotiated. When you have banked with them for ages and they introduce a standard charge, go in and talk with them, flatter them and tell them how pleased you've been with them up to now. If they still insist, tell them that you might be seeking to move your account to a bank without the charge. There's a good chance that they will be considerate.

If you have ever accidentally overdrawn your account, you were likely hit with an insufficient funds fee. It is yet another way your bank gets extra from you. Did you realize that you can call your bank and ask that the NSF fee be removed?

Acknowledge you made an error or clarify what caused the insufficient funds. If it is the very first time, or a late deposit was not your fault, they will often waive or reduce the charge - in particular if a number of fees resulted from one error.

Banks are fast to charge a late credit card paymentv fee, even if they get it just 1 day late. Again call them and ask that the charge be removed. You could be surprised, so long as it's an uncommon occurrence.

Here are a couple of recommendations to assist when communicating with your bank representative.

1. Be upbeat and polite when asking a bank to forgive a fee.

2. A friendly voice tone matters when you're speaking to bank staff, even if it is on than the telephone.

3. Briefly present your scenario and state your request. Have your account number on hand and know how long you have banked there as they do not like to lose good long term customers.

4. If feasible, go personally as opposed to ringing them, it really is easier to gauge your feelings that way.

5. Have pencil and paper ready as you may have to take notes about what they tell you.

If you aren't successful in getting fees removed from your account, seek out other banks where you'll not be charged. Once you contact them, be clear on what you are seeking - a checking account with no fees.

Consider credit unions as they are known for charging fewer or no fees to their "members". Many credit unions offer the full service, providing low interest rate mortgages and auto loans.

If these tactics don't work, cancel your account and go somewhere else.

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