Be Smart with Your Money–Fight Citizens Bank Overdraft Fees Without Hiring a Professional
The overdraft fee for a single overdraw is not a lot. However, the fee might accumulate if you incur extended overdraft charges or overdraw severally without upsetting the balance.
If your overdraft fees are a lot, you might need a waiver for it. Fighting overdraft fees is not the easiest process because banks don't like losing money. However, DoNotPay can help you easily and successfully through your phone.
What Are the Common Citizens Bank Charges and Fees?
There are general and specific associated with different accounts in Citizens bank. Below are the most common types of fees and charges:
- Account Maintenance Fees
- Minimum Balance Fee
- Overdraft Fee
- Foreign Transaction Fee
- Lost Card Fee
- Money Transfer Fee
- ATM Fee
What Are Overdraft Fees?
Overdraft fees are charges you incur after the bank authorizes a transaction from your account, yet your account balance is not enough.
For instance, you might pay a $100 bill using your debit card, but your account balance is $75. Your bank might authorize this transaction, but you will get penalized. Overdraft fees will include the penalty for overdrawing your account and the transaction fees of the same process.
Here are overdraft fees that top banks charge:
|Bank of America
Citizens Bank will always send you a notification if you overdraw and give you a chance to rebate the charges.
Does Citizens Bank Refund Overdraft Fees?
If you overdraw on your Citizen's Bank account, you will get a mobile notification on your handset or through email. Citizens Bank gives you extra time to top up your account balance and a chance to have your overdraft fees rebated.
You are supposed to bring your account balance to zero by 10:00 pm the following day after overdrawing. After topping up, before 10:00 PM, your overdraft fees are automatically pardoned.
You are only required to cover the money you over-withdrew and the transaction cost to have your penalty rebated. You will receive another notification alerting you of the rebate on your account.
To have your overdraft fees pardoned, you need to deposit money through:
- Cash at ATM or teller
- ATM transfer
- Online Banking transfer between Citizens accounts
- Wire transfer
- Payroll or recurring direct deposit
- Citizens check deposited at an ATM or with a teller
- Citizens check deposited via mobile deposit in the app
Money deposited through the following ways do not count:
- Non-Citizens check deposited at an ATM or with a teller
- Same-day transfer from another bank
- Non-Citizens check deposited via mobile deposit in the app
How to Fight Overdraft Fees at Citizen Bank Yourself
If you incur an overdraft fee in your Citizens bank account, you can apply for a penalty waiver to have your money back. Here are ways you can apply for an overdraft fee waiver:
- Call the Bank Customer Care
If you are a first-time 'overdraw defaulter', you can call Citizens Bank customer care at 1 (800) 922-9999 and explain that it's your first time and the overdraw was unintended. Citizens Bank is built on understanding people, and will most likely waive your overdraft fee without a fuss.
If you have overdrawn before, it might take you longer to convince customer care. You can repeatedly try your luck, but always remain polite as you petition. If applying for a waiver through a call, use these other methods.
- Submit Your Waiver Plea in Person
Locate the nearest Citizens Bank branch to you and submit your waiver plea in person. You just need to carry any identification documents and present your case to the bank teller.
- National ID
- Driving license
- Valid passport
- Email Citizens Bank
To present your waiver application through email, you need to sign up for online banking. After signing up for online banking, you can send secure messages to the bank by utilizing the 'CONTACT US' button at the top hand-right corner of the page. You can send messages as general comments, specific questions or general comments.
- Contact Citizens Bank Chief Executive
Citizens Bank does not limit its customers from accessing higher bank officials. If all your application for an overdraft fee waiver goes unanswered, you can contact the bank's chief executive through email or through the following address:
Bruce Van Saun
Chairman and Chief Executive Officer
1 Citizens Plaza, Providence, RI, 02903
What if I Can't Fight Overdraft Fees on My Own?
If you cannot successfully acquire an overdraft fees waiver, you will need the help of a professional at a cost. If push comes to shove, you might want to find a bank with better reception, lower charges, doesn’t charge overdraft fees on weekends, or no overdraft fees at all.
Fight Citizens Bank Overdraft Fees With the Help of DoNotPay
Using a paid professional to help you fight bank overdraft fees might be very costly and take a lot of time. Also, changing banks will not rub off the charges on your name. To successfully, fast and conveniently fight Citizens Bank overdraft fees, use DoNotPay.
How to Get Citizens Bank Overdraft Fees Waived Easily With DoNotPay
If you want to easily 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
DoNotPay does more than just fight Citizens Bank overdraft fees. We work with government entities and private companies to simplify tedious processes for you. With just a click of a button, you can solve your long process in an easy, safe and convenient manner.
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