How to Appeal Bank of America Student Checking Account Fees Effortlessly

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

How to Get a Refund on Bank of America Student Checking Account Fees

There is something particularly devious about Bank of America student checking account fees that makes a lot of people upset and angry. It makes sense that people would want to do everything in their power to fight these fees in particular. After all, how can one of the world's largest banks expect students who are just starting out on their financial journey to view them favorably when they are charging those same students fees on their checking accounts? It seems like a terrible way to build up a business, and yet many of the large banks continue to do this. If you are tired of the fees and want to fight back, then you need to fight in your corner.

What Kind of Fees Can Be Charged

It is amazing the full array of fees that the people at Bank of America have come up with to charge their customers. It seems like they will stop at nothing to extract every last dollar that they can out of loyal customers who simply want to open a bank account in order to start fresh in life and have a future that they can be excited about. Bank of America doesn't seem to care about this in the slightest. They will charge fees for:

  1. Overdrafting (not having enough money in your account to cover a purchase)
  2. ATM fees
  3. ACH transfer fees
  4. Fees to speak to a human bank teller

The list goes on and on. The fact that the bank is willing to charge someone just to speak with a human bank teller and get a problem resolved is something that has caused a lot of outrage among its customers. This is the kind of thing that has brought bank fees more and more to the forefront of the conversation, and it has led a lot of people to decide that they will simply have to figure out another solution for their banking needs. While it is easy to just throw in the towel, it is hard to find any bank that is not doing the exact same thing. Instead of continuing to let them do this, why not rally against this?

Can You Fight Fees Yourself?

You are allowed to try to fight the fees that the bank wants to charge you if you decide that you will stand up and speak up against this. However, you should remember that doing so means that you are saying that you think that your voice will carry the day when matched up against one of the biggest banks in the country. It is not going to be an easy fight, and you need to steel yourself for the fact that it could be a protracted battle. Bank of America holds all of the cards and has all of the resources. You can fight them by:

  • Bringing bank statements with you that show that you shouldn't have been charged a fee
  • Asking for the fee to be removed as it was a first-time offense
  • Challenging the legality of certain fees

You may attempt any or all of these things when working against the bank, but it is far from a guarantee that you will be successful. Many have tried before you, and many have failed in that quest. The problem is that the bank doesn't want to give up an inch against any customer because they fear that it could open the flood gates to other customers also trying to get some of their fees back. Thus, you would be fighting a very uphill battle without the reinforcement of DoNotPay.

What Steps To Follow When Using DoNotPay

If you want to get student checking account fees waived with DoNotPay but don't know where to start, DoNotPay has you covered in 4 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.

What Else Can DoNotPay Do?

DoNotPay is a major advocate for its customers. When people start to use their services, they start to realize that there was no reason for them to deal with the bureaucracy and challenges that they had to put up with in the past. They start to see that so many roadblocks were put in their way before because it was to the benefit of the banks to do so. Luckily, there are a lot of things that can do to help clear this obstacle no matter which institutions or entities one is fighting against:

They can help you find the best credit cardsThey can help you find missing money/inheritance
They can provide you with the documents you need for small claims courtThey can help you get chargebacks and refunds on your account

If you feel that you have been wronged by a big bank or another entity taking advantage of you, then there is no time like the present to strike back. You know now all of the terrible things that big banks will do if they believe they can get away with it. With that in mind, you must do all that you can to keep them from getting away with it.

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