Dein erstes Forum » The bad news about overdraft fees is

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Banks are required by law to tell you what fees they will charge you, and when they will charge them. In fact, they give every customer a written agreement with all this information to sign before they open an account. But these agreements are so long that most people never read through them air max cyber monday sale , and large overdraft fees usually come as a total shock.


How to get even


Don’t let banks take advantage of you with overdraft fees. Get educated by taking the time to read through the agreement you’ve signed with the bank. You’ll probably find that it’s not as complicated or as boring as you thought. After all, it’s about your money. Many agreements have section headings in a bold font to make it easier to find the information that you’re looking for.


If there’s something you don’t understand, you can call your bank and ask them about it air max black friday sale , or you can go online and do some research. Take a look at how overdraft protection programs work and if your bank’s program would go well with your lifestyle and how you spend money.


And finally, be sure to address the things that make you uncomfortable. Ask your bank if it’s possible to change these practices. If they’re not interested in helping you, the most hurtful thing you can do is move your business.


Imagine having caused your account to overdraft by only 11 cents and yet you find out later that day that your bank has charged you a $34 fee to cover the charge. Ouch! And yet air max 2019 wholesale china , this type of thing literally happens every day to millions of people. For some folks, $34 isn’t much money, but for most of us air max 90 wholesale , we’d rather not have to pay it as a fee to our bank, thank you very much.


Overdraft fees have gone well beyond being just a penalty or slap on the wrist that a bank customer gets charged for not managing her checking account carefully enough. Rather, they have become a big source of revenue for banks in and of themselves – to the tune of over $25 billion per year across all banks in the U.S. alone.


Many bank customers who try faithfully to manage their checking accounts each month do a pretty good job. And yet air max wholesale china , there can be that one charge that puts you over the edge by just a few dollars – and then come the fees.


The Bad News


The bad news about overdraft fees is that they are set up to be “trigger happy”: to make it as easy as possible for you to get charged a fee. For example, most banks with overdraft protection programs will allow a debit charge to go through, even when the account is overdrawn. This causes a fee to be charged to the account.


Another bad thing about overdraft programs is that they have traditionally been opt-out. This means that when you sign up for a new checking account cheap air max wholesale , you are automatically enrolled. Many people are unaware of this, so they figure that if they try to put through a charge that will overdraw their account, the charge will just get rejected. That is why it’s a rude awakening when they check their bank statement and see a charge there.


Gordon is a student and a writer for various financial blogs. He hopes to one day run his own financial services blog


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