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Overdraft fee my eye, this is stealing!
Posted by on
OHIO -- I have had a bank account since I was four. I never have encountered such problems with overdrafts in my life. They use the system where they deduct the largest amount first. I have gotten a $34 overdraft charge on a .25 cent fee for using my debit card. There have been instances where a overdraft fee of $34 was the highest amount and was deducted first when I had a balance of $54. Times are hard for most people, but I am disabled and have a lot of medical bills. I cannot afford this. I have tried every thing. I watch my account like a hawk, I call for a balance twice and allow 5 days since my last transaction and I still get dinged.

People this country is no longer for the people, we are puppets. I feel like an indentured servant, and not Free. What has become of us?

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User Replies:
moneybags on 10/24/2007:
Open a new account in another bank or CU
Anonymous on 10/24/2007:
If you are overdrawn by 25 cents it might as well have been $25. The bottom line is you were overdrawn. Overdraft fees are charged by the bank no matter how little you are overdrawn. Banks are obligated to disclose the fees that are charged and how they are applied. You can try a credit union. They are sometimes more flexible and a little more forgiving when it comes to small overdrafts if you don't make it a habit.
Hugh_Jorgen on 10/25/2007:
Most banks are now handling charges this way - when several checks arrive at the same time they pay the largest checks first, their reasoning being that larger checks are usually for more important things, rent, utilities, car payments, etc. I know it's tough, but you need to put a buffer in there that you never drop below - even if it's $20, it will keep you out of trouble. Just don't show it on your check register - pretent like it's not there. When your check register shows zero, you will still have your $20 buffer in place. $20 now saves you $34 charges down the road.
Anonymous on 10/25/2007:
"their reasoning being that larger checks are usually for more important things" -- Hugh that is what they say but come on any reasonable person can see that line for the pile of dog poop it is. They sequence them that way for no other reason than to rack up the most overdraft charges possible.

Hugh, you surprise me my friend. You never have a problem calling BS on the a reviewer I'm shocked that you are so easily hoodwinked by the banks.
CrazyRedHead on 10/25/2007:
If you have enough in your account it shouldn't matter in which order they come in.
memoryx57 on 10/25/2007:
I agree 100% with Stew..We all know that we should always keep enough money in our accounts to cover everything. But you know, sometimes that just doesn't happen. For whatever reason..Every one of us make errors. I don't have a problem with a REASONABLE fee...But 30 plus dollars is stealing...plain and simple...The banks say they post them in the order that they due to "help" the customer. That is nothing but BS !!Like they really care if my mortgage gets paid or not..They do it the way they do it simply to generate income off people who can least afford it..It's real easy to say "it doesn't matter" in which order checks are posted....but ask the person who was on their last dollar and got hit with a $39 fee because of a 25 cent overdraft. You might just be surprised at the answer!!!
Hugh_Jorgen on 10/25/2007:
Stew, I'm just reporting what the banks have claimed their reasoning to be - I didn't say I bought their story.
Anonymous on 10/25/2007:
I must agree with memoryx57 and Stew the only thing I could add is to TheirStealing that they do this to everyone they can and once it start that's it they don't stop because they are in business to steal as much as they can as long as they can. The banks took $17 BILLION last year alone in overdraft fees. The only thing to do is change to another bank before they bleed you dry and get a new start. Good Luck
Anonymous on 10/25/2007:
I know this sounds cold hearted, but the bottom line is that it shouldn't matter what order the bank processes checks, if there is enough $ in your account, you won't have NSF fees. I like HJ's suggestion to keep a buffer in there and don't include it in your balance, that way you always have a little backup $ in case you run into this problem. Another suggestion is to always round your checks up to the next whole dollar amount when you write them down in your check register. For ex, if you write a check for $24.26, write it in your register as $25.00. You'd be surprised how much "extra" money you have at the end of the month/year by doing this.
Anonymous on 10/25/2007:
Justcuz, that's an excellent suggestion, with what you write in your check register. My dad does the same thing.
Anonymous on 10/25/2007:
justcuz -- What if your were traveling through some small town going 5 miles over a vaguely posted speed limit that resulted in you getting a ticket for $10,000. Would you then say bottom line - I was speeding therefore I deserve whatever?
Anonymous on 10/25/2007:
stew - your question is irrelevant - how is a speed limit vaguely posted? If I am speeding and wasn't paying attention to the posted signs, then yes, the bottom line is that I am responsible.
memoryx57 on 10/25/2007:
justcuz...I think the point Stew is making, that you're apparently missing is " have the punishment fit the crime " I don't think anyone is saying that it's OK to overdraft your bank account. Let me pose Stew's question a bit different. Let's say you get a citation for going 5 miles over the speed limit, how much of a fine would you reasonably expect to pay for "your crime"? Would $10 be OK, or maybe $100. Or how about $10,000..??? Your WERE speeding, right?
Anonymous on 10/25/2007:
memoryx57, I understood stew's question and I still say it is irrelevant.
Anonymous on 10/25/2007:
"how is a speed limit vaguely posted" - I take it you've never driven US66 through Luther Oklahoma where the speed limit drops from 65 to 45 on a 1/4 mile stretch of road and the only indication is a speed limit sign conspicuously close to a full elm tree. Anyway my point was very relevant as are all my points. Getting hit with a $34 dollar fee for 25 cent overdraft would be akin to getting a $10,000 dollar ticket for going five miles over the speed limit. Nobody would question the fault but the penalty is excessive. To me I can't understand how any sane person can justify the modern day banking policies but my sanity has been legally question before so I may just be nuts.
Anonymous on 10/25/2007:
thanks for the debate stew, we'll just have to agree to disagree on this one. I never said that banks aren't out to make money on those that incur overdrafts, I just said that if a person always keeps more in then what is going out, NSF fees won't be a problem. Seems pretty simple to me, so maybe I am the one that is nuts.
Anonymous on 10/25/2007:
Justcuz – of course you are correct... "if a person always keeps more in then what is going out, NSF fees won't be a problem"... also true is those getting hit with the fees are probably the ones who can least afford it. There's zero chance of me bouncing a check anytime in the near future partly due to nothing more than the advantages I had at birth.. (LIBERAL GUILT ALERT) It seems so unfair to pick on the least among us. When I see the less fortunate being taken advantage of it makes me sick. Heck, I was always the kid on the playground defending the weaker kids from the bullies. It's just my nature. I also see a bigger picture here. I'd imagine the demographics of who's getting socked with these fees are poorer people with children. That $39 wouldn't mean snot to me but it probably causes hardships to the families and children. (CHILDREN .. MY GOD WOULD SOMEBODY THINK OF THE CHILDREN). The fact the account hit zero balance tells you the $39 dollars would probably been spent locally helping the local economy, fattening the local tax roles instead of being harvested away into another state or these days another country. That's my view of things.
sickofthesetwits on 11/11/2007:
I'm sorry about your rough experience with that bank. So long as you don't have a history of overdrafts, most bank managers will waive the overdraft fee as a one-time courtesy. You do have to go to the branch where you opened your account, or where you currently regularly transact business, and speak with a manager; don't try to resolve this through e-mail or their call center - those reps don't have the authority. As I said - so long as this is a first-time or "once in a blue moon" occurrence, they'll help you out.

Take care.

TiensToi on 02/21/2008:
National City deceives it's customers. There must be something unethical about that. I just recently noticed three overdraft charges on my account. I didn't know where they came from. I had pending transactions but with a positive balance beside them. I thought that perhaps I'd somehow missed some checks. Nope! I received a letter days later charging me $34 for each of the pending items - over $100 that day alone! I looked at the account statement, and it also did not show that the account was overdrawn. I had a positive balance before and after the transactions processed AND the overdraft fees were incurred.

Does anyone know of a class action lawsuit related to these unethical fees? If so, please post it for the rest of us to see! We need to stop this deception once and for all!
Karlyb on 09/05/2008:
If there is a class action lawsuit out there for unethical fees charged by National City-let me know!
joe76 on 11/14/2008:
Its stealing for whatever reason. No one wants to be punished 3 times for a simple mistake that too with $34 each time. Its hard when you actually experince it, trust me it is not only about money. I had two wire transfers on one day. Knowing this I personally visited the branch and depositted a check worth much more than that amount. Smartly they put a hold on my check until next day in order to make me to pay over draft 3 times, one for 3 cents. They debitted the largest amout first so that next all transactions on the same day comes with their special ($102). More over it looks like many employees are not happy with the bank either. May be due to not secured jobs or pay reductions. Time to think about other banks.
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588% interest
Posted by on
CINCINNATI, OHIO -- I sometimes do poor math, and find myself short in my bank account. I was two cents overdrawn on October 11. National City Bank decided that they wanted to charge me 34 dollars for my mistake. now, don't we all make mistakes? is it really fair that national city does this? no. are they allowed to? of course! does it suck?
you betcha!
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User Replies:
Ponie on 10/12/2006:
Doesn't matter if you're overdrawn two cents or $2,000--overdrawn is overdrawn. I agree the fees are high. I recently got their new list of fees, also. One difference between us though. I keep my check register current and if I ever got to the point of where a $.02 error in math might slug me with a high fee, I just don't write checks until I have a cushion. I think it 'sucks' that people can't add and subtract!
rhondam718732 on 10/12/2006:
I have to admit I cringe when I read unfair complaints. Your analogy is similar to being a "little" pregnant...either you are overdrawn or you aren't. Banks don't set an amount they are "OK" with you being overdrawn and they shouldn't
Slimjim on 10/12/2006:
Bigbang, if you don't have a history of overdrawing your account, they really should waive the NSF fee even though they don't have to. If you haven't already, you should be making a call and asking for a break here. If you've gone over before though, your going to get socked every time thereafter.
bigbangerik on 10/12/2006:
its not that I'm writing checks without a cushion, I don't even use checks. its that I budget every penny, and I guess two of them got away from me somewhere
Sparticus on 10/12/2006:
I agree with slim. I would kindly notify them of your accounting error and ask if they can waive/refund the fee. If this is your first offense, they will probably do it.
bigbangerik on 10/12/2006:
I just think that banks should charge a percentage, not a flat rate when it comes to overdraft fees. instead of charging me $34.00 for two cents, charge me 2cents!
shawnp80 on 10/12/2006:
Erik, You know what they say in Russia............................. Tough $ h-I-t-s-k-y
MollyDolly on 10/13/2006:
wow JayD you are mean to everyone here
bigbangerik on 10/13/2006:
no, it costs them two cents, then they make a nice little profit off my 2penny mistake.
Anonymous on 10/13/2006:
bigbangerik: I agree with your post and would only add that it is a computer, a cold hartless, uncaring computer that charges you the overdraft fees. That's how they get rid of the human factor, you know people like JayD, I think he works for the IRS?
UVsaturated on 07/24/2007:
The fees are high, which are bad enough, but NCB is not justified in changing posting dates for debits, which they do exceedingly well to create the most overdrafts as they can. I purchased stuff at Wal-Mart on a Wednesday, and it was posted on my account that day. Then it became pending again and more debits came in. I knew one would be overdrawn, but NCB rearranged all of them largest to smallest so that one Overdraft becomes 3 or 4. My Wal-Mart purchase eventually became a debit for 5 days later. Is that fair to charge someone $34 X 3 when by all means it should only be one?

I have created a special website just for National City Bank:
Tjalsma on 12/28/2007:
I think it is fair. National City, as well as many other banks, really on you using YOUR money to purchase items and pay bills, not THEIRS.

Imagine if everyone that had an account with them made "budgeting errors" every month by just a few cents...

They have to charge a fee to stop you from doing it or else most people on earth would just over-draft and be fine with it.
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