Fight Back Against Bank of America Bounced Check Fees

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Bank Of America Bounced Check Fee: Can You Mitigate This Fee?

It is painful to be hit by a Bank of America bounced check fee. People get particularly hurt by them because a bounced check means that they are already in the red on their account, and now they are being hit with a fee on top of that pain.

It seems harsh, but banks are in business to make money. The good news is that you can fight and waive Bank of America bounced check fees with DoNotPay. You can use the app to dispute charges from Bank of America.

Do All Banks Charge Bounced Check Fees?

There are a few exceptions, but nearly all banks charge fees for overdrafts. Some popular examples include:

It is technically a crime to write a check to cover an expense that you do not actually have the money in your account to cover. But mistakes happen. Most people who write a check for a small amount over what they actually have available in their account are not trying to commit a criminal act.

Rather, they are just short on funds and are attempting to still take care of their necessary expenses until they are able to be in a better financial position. There is no shame in that, and people who feel the need to shame someone over this should reconsider their motives. Typical expenses that someone may have a bounced check hit their account for include:

  1. Rent
  2. Groceries
  3. Auto repair

These are the day-to-day things that we all have to spend money on just to keep ourselves afloat. The average person who is submitting a bad check is not doing so in bad faith. Rather, they have the need to just so they can continue to work and get done what needs to be done in their life. Thus, the bank often agrees to cover the expense of the check with the understanding that they will charge a bounced check fee to do so.

Can You Fight A Bounced Check Fee?

You always have the option to try to combat bounced check fees on your own, but you may or may not be successful. You can call up the bank and see what they say in terms of reversing this fee for you. They may agree to do so if it is your first time incurring this fee (though they are not obligated to), but you may run into a brick wall.

These days, banking is becoming far less personal, and it might be challenging to even speak to a human being to help resolve this issue. In short, you shouldn't put too much faith in the goodwill of a big bank to reverse fees on your behalf. You will want to get some backup from a team that has worked on these types of cases before, and DoNotPay can help.

How To Use DoNotPay To Get Fees Waived with DoNotPay

You can dispute Bank of America fees for bounced checks. Just follow these easy steps:

  1. Open the DoNotPay Fight Bank Fees product.

  2. Enter the name of your bank.

  3. Verify the last 4 digits of your bank account.

  4. Choose which fees you want to waive, including overdraft, ATM, and transaction fees.

How Expensive Are Bounced Check Fees?

What you need to understand about bounced check fees is that they can get incredibly expensive quickly.

Standard Bank Fees
  • Bounced check fee: $30-$40
  • Negative balance fee: $5-$15 after 5 days of a negative balance
  • Additional overdraft fees: $25-$40 per overdraft item

This means that one bounced check could suddenly cost you hundreds of dollars if it is allowed to fester and continue to knock your bank balance down further and further.

It is very hard to dig yourself out of the red on your bank balance when the fees keep stacking up against you. This is why it is absolutely essential that you fight back against a bounced check fee. It could cost you a lot more than just the initial fee amount (which is already a lot when money is tight.)

What Else Does DoNotPay Do?

There are a variety of additional services offered by DoNotPay which may be of use to you. Aside from contesting bank fees, you can:

  • Dispute Paypal fees
  • Monitor baby food recalls
  • Monitor vehicle recalls
  • Fight back against shady landlords
  • And so much more!

Try DoNotPay today. You’ll be amazed at how much money you can save when you fight back with the world’s first AI Consumer Champion on your side.

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