Get Bank of Hawaii Overdraft Fees Waived With DoNotPay

Every year, people lose up to hundreds of dollars in overdraft fees. These bank fees can be inconvenient and even unnecessary, forcing you to spend extra money that you might not have readily available. While most people tend to pay overdraft fees without a second thought, considering them to be a way of life, you don't have to continue to pay unfair bank fees.

If you handle your finances with the Bank of Hawaii and want to appeal Bank of Hawaii overdraft fees, this guide is just the ticket to help you overturn those unfair fees and charges. It will explain how to get overdraft fees from the Bank of Hawaii overturned on your own, and introduce you to DoNotPay, the fast, easy, and successful way to appeal Bank of Hawaii overdraft fees.

What Is an Overdraft Fee?

Bank of Hawaii is a financial institution that has locations throughout Hawaii, Guam, Palau, and Saipan. With personal and business account options, many people turn to the Bank of Hawaii for their banking needs. Like most other financial institutions, the Bank of Hawaii charges an overdraft fee when the available balance in your account is not sufficient to cover a transaction. Overdraft fees are inconvenient and can add up to a significant total each year.

How Does the Bank of Hawaii Handle Overdraft Fees?

Bank of Hawaii's website details how they handle the process of an overdraft. According to the website, overdrafts might be authorized and made for the following types of transactions:

• Automatic bill payments.
• Checks and other transactions made using your checking account number.

Overdrafts will not be made automatically in the case of ATM transactions and everyday debit card transactions. To go along with that, the Bank of Hawaii leverages fees when an overdraft is made. Here are the fees associated with an overdraft through the Bank of Hawaii, as detailed by the Bank of Hawaii website:

• Fee: A Non-Sufficient Funds (NSF) Fee of $30 will be charged when an item that exceeds your available bank balance is paid or returned.
• Daily Fee Limit: You will not be charged more than three Non-Sufficient Funds Fees in any one business day.
• Additional Fees: You will not be charged an NSF Fee on any business day that your end-of-day Available Balance is or would have been overdrawn by $4.99 or less. Additionally, no NSF Fee will be charged if the item causing or increasing the overdrawn amount is $2.49 or less.

How to Get Bank of Hawaii Overdraft Fees Waived on Your Own

Bank of Hawaii does offer some overdraft protection options to help prevent you from incurring Bank of Hawaii overdraft fees. These include Bank of Hawaii Debit Card Overdraft Coverage, to help prevent you from overdrawing your checking account, and Overdraft Protection from Savings, which pulls funds from your savings account in order to cover overdrafts from your checking account. However, if you do incur overdraft fees from the Bank of Hawaii, there are some things that you can do to try to get the fees overturned.

Visit a Bank of Hawaii Branch in Person to Talk to a Representative

The most direct way to get Bank of Hawaii overdraft fees returned is to visit a local branch and talk to a representative about these fees. Sometimes, banking representatives are authorized to return overdraft fees to your account, and if you are able to plead your case, you could be looking at a refund. Make sure to verify the branch's hours before you visit.

When you visit the branch make sure you:

1. Are kind and respectful to the representatives
2. Bring documentation showing that you were unfairly charged
3. Be willing to spend some time with them to get this corrected

Call Customer Service and Ask to Have Overdraft Fees Returned

Another option to appeal your Bank of Hawaii overdraft fees is by calling customer service at 1-877-406-2045. You will likely get the automated system at first, so you will need to verify your information and ask for a representative before you get access to a real person. Once you get a representative on the phone, explain the situation and make it clear that you do not believe you should be incurring overdraft fees.

While either of the above options might result in one-time success, you might have a hard time getting refunded for all the previous overdraft fees that you got from the Bank of Hawaii. It's also stressful to discuss sensitive financial matters over the phone and in person. If you are hesitating to appeal your Bank of Hawaii overdraft fees because of time or stress, turn to DoNotPay, the fast, easy, successful way to appeal Bank of Hawaii overdraft fees.

Use DoNotPay to Get Your Bank of Hawaii Overdraft Fees Overturned

How to Get Bank of Hawaii Overdraft Fees Waived with DoNotPay

If you want to Get Bank of Hawaii Overdraft Fees waived 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.

DoNotPay Is Your One-Stop Banking Fees Solution

DoNotPay is the fast, easy, and successful solution for getting Bank of Hawaii overdraft fees returned. Don't let banks take advantage of you during tough financial times - DoNotPay can help you file an appeal and get those inconvenient fees waived with no stress or frustration on your part.

DoNotPay also works with other services and financial institutions like:

For all your banking appeal needs, including any type of banking fees that you are dealing with, turn to DoNotPay.