How to Get Associated Bank Checking Account Fees Waived Easily
Bankrate reports that fees on interest-bearing checking accounts that are not free hit a record high of $16.35 monthly in 2021. Indeed, Associated Bank checking account fees are constantly increasing these days, and can really take a toll on your balance. Surely there's a way to keep these fees under control, right? If you'd like to eliminate fees and keep more of your own money, you've come to the right place.
Why Does Associated Bank Charge Fees on Checking Accounts?
Why do financial institutions such as Associated Bank charge checking account fees in the first place? According to Ramsey Solutions, it's just another way for them to make money. Banks make a profit by loaning out the money you deposit and then charging interest. There's actually no need for them to charge fees, which is why you should fight to keep your own money.
Associated Bank Checking Account Fees Explained
If you have an Associated Bank checking account, you may notice a number of different fees on your statement each month. You may be wondering what all these charges are, so here is a brief explanation of each.
An overdraft occurs when there are insufficient funds to cover a transaction. If your Associated Bank checking account has overdraft protection, the institution will cover the payment for you and then assess a fee for doing so. You are still responsible for paying the amount of the transaction that triggered the overdraft in the first place, as well as the overdraft fee itself.
Stop Payment Fees
A stop payment is used to void payment on a check or series of checks. You may wish to stop payment if you:
- Lose your checkbook
- Fall victim to fraud
- Need to dispute a charge
By stopping payment on a check, you can avoid having the amount of the check deducted from your account. However, it doesn't come without a price, as the cost of a stop payment fee from Associated Bank can run you around $35.
ATM Withdrawal Fees
There's no charge for withdrawing money from an Associated Bank ATM. When making an out-of-network withdrawal, you'll be assessed $2-$3 per transaction by Associated Bank. The bank that owns the ATM you're using could charge you an additional fee on their end, as well.
There's no limit to the amount of ATM fees you could rack up each month. So if you make frequent withdrawals, you could be more likely to encounter overdraft fees too.
Associated Bank imposes a long list of fees for their various services. Accordingly, a few miscellaneous fees you could be subjected to are listed below:
|Domestic outgoing wire transfer fee||$25|
|Domestic incoming wire transfer fee||$15|
|Wire transfer notification by mail or phone||$10|
|Wire transfer notification by email||$3|
|Cashier's check fee||$8-$12|
|Legal processing for garnishments and liens||$100 per request|
|Deposited item returned unpaid||$12|
|International payment draft fee||$20|
|International check deposit fee||$3|
|Bond collection fee||$30|
Will Associated Bank Refund Checking Account Fees?
Associated Bank will sometimes refund checking account fees, but they almost never do so automatically. Instead, you must typically go through a very rigorous process in order to get fees waived.
Even after completing all the steps, you might still be unsuccessful. Managers sometimes crack down on employees who waive too many fees because it interferes with the bank's bottom line. As a result, customer service reps may be unwilling to waive fees, even when they have the ability to do so.
How To Get Associated Bank Checking Account Refunds on Your Own
When it comes to getting fees waived, there are a few different ways you can go about it:
- First, you may contact Associated Bank's Customer Service Department at 1-800-236-8866. Agents are available to assist you Monday through Friday from 6 am to 10 pm, and on Saturdays from 8 am to 7 pm. You will not be able to speak with a live agent on Sundays or holidays.
- Sometimes it's best to speak with someone face to face. Use the bank branch locator to find your nearest Associated Bank location and hours of operation.
- Finally, you may send a letter via U.S. mail to the following address: Associated Bank, WE CARE Department, 1305 Main Street, Stevens Point, WI 54481-0327. You will receive an acknowledgment of your letter within one to three days after it is received. Getting an actual resolution could actually take much longer, particularly if the letter gets buried under a pile of other paperwork.
What Types of Bank Fees Can I Get Refunds for With DoNotPay?
As you can see, you could be charged quite a few different fees from Associated Bank. Wouldn't it be great if you could get refunds for all of them? With DoNotPay, it might be possible to do just that. In fact, we can help you waive all sorts of bank fees, and not just those associated with your checking account.
We work with ALL banks to get you the fee waivers you deserve. Our quarterly subscription will run you a mere $36, which you could easily save the very first time your fees are waived. With DoNotPay, you can have us automatically appeal bank fees for you on an ongoing basis so that you can continue to save.
Techniques for Avoiding Associated Bank Checking Account Fees
Your best line of defense is to avoid checking account fees whenever possible. One way to avoid monthly maintenance fees is to open an Associated Access checking account. When doing so, keep in mind that this account does not bear interest, and you also will not be able to write checks.
Avoid unnecessary ATM fees by making withdrawals from an in-network ATM whenever possible. Use an Associated Bank ATM, or find a Moneypass ATM location if you are unable to make it to a branch office.
Sometimes it just isn't possible to avoid racking up fees. With so many different types of fees, keeping them all straight can be mind-boggling. You'll have to stay on your toes if you are to avoid Associated Bank checking account fees or surcharges.
Solve the Recurring Checking Account Fee Problem With the Help of DoNotPay
Those monthly fees from Associated Bank can sure add up. The good news is that you no longer have to have an ongoing battle over them. With DoNotPay, getting any type of bank fee removed can be a surprisingly easy process.
How to Get Associated Bank Fees Waived with DoNotPay
If you want to get Associated Bank checking fees waived with DoNotPay but don't know where to start, DoNotPay has you covered in 4 easy steps:
- Open the DoNotPay Fight Bank Fees product.
- Enter the name of your bank.
- Verify the last 4 digits of your bank account.
- Choose which fees you want to waive, including overdraft, ATM, and transaction fees.
Why Use DoNotPay To Resolve Ongoing Associated Bank Checking Account Fees?
Many consumers get tired of paying checking account fees, but continue doing so because they do not want to be hassled. Customer service reps can sure put up a fuss about waiving fees, so some people may avoid asking in the first place.
With DoNotPay, there's no haggling with bank employees and no need to feel guilty about asking for your own money back. Our process is fast, easy, straightforward, and most of all, it works. Try us today and begin noticing more money in your checking account each month.
What Else Can DoNotPay Do?
From getting bank fees waived to helping you find missing money, DoNotPay offers you plenty of ways to save. Just a few ways in which we can help put more money in your wallet include:
- Contesting a parking ticket
- Obtaining a chargeback or refund
- Getting help with bills when you can't afford to pay
- Acquiring an airline refund for delayed or canceled flights
Contact Us Today and Stop Paying Associated Bank Checking Account Fees
Have you had enough of those pesky checking account fees from Associated Bank? If so, it's time to put a stop to them once and for all. The sooner you get in touch with DoNotPay, the faster it can help you make those annoying fees disappear.