How to Dispute Comerica Bank ATM Fees
U.S. consumers are being charged on average more than $150 per year in banking fees. People who pay Comerica Bank ATM fees pay between $2.00 and $5.00 to access their own money.
Bank of America ATM fees are also hefty, and Citizens Bank, TD Bank, and Chase Bank overdraft fees are the highest they have ever been. Some customers not enrolled in their bank's overdraft protection program are experiencing more than $450 in annual fees.
While ATM fees are small enough to be considered a nuisance, they can add up quickly. Most consumers don't bother to dispute the charge, and the bank continues with its overzealous service charge structure.
DoNotPay offers an easy way to request reimbursement of Comerica Bank ATM fees. We can also help appeal other common banking charges, such as Wells Fargo checking account overdraft fees.
The automated system is easy to use and provides a convenient way to dispute charges without the hassle of wasting time trying to connect with the bank's customer service representative. Working together with DoNotPay, you will not only get fast results but eliminate the frustration of handing over your hard-earned money to your bank.
Why Do Banks Charge ATM Fees?
As with most banks, Comerica Bank charges its customers standard bank ATM fees when using an out-of-network machine to dispense cash. The user incurs two fees. The bank that owns the ATM and manages the location charges a separate fee. The bank of the account holder charges another fee.
According to a 2018 Bankrate study, the national average fee for using an ATM was $4.68, with an additional $3.02 charged by the consumer's bank for a total surcharge of $7.70 for one transaction.
While ATM fees vary by location and region, if you are using an out-of-network machine, you will more than likely be charged an ATM service charge. How much is the fee for using another bank's ATM is at the sole discretion of the bank that owns the cash dispensing machine?
What Are Comerica Bank ATM Fees?
Comerica Bank ATM fees are imposed whenever an account holder uses an ATM that does not belong to Comerica. The charges are as follows:
|Replace ATM Card||$5.00|
|International POS Transaction||3% ($1.00 minimum)|
|Surcharge||Varies by ATM owner|
Customers are often shocked to discover the additional Comerica bank fees on their monthly statement and can't help but wonder why I get charged for checking on my bank account at an ATM?
Will Comerica Bank Refund ATM Fees?
While it never hurts to ask, there is not a policy in place for refunding Comerica bank fees associated with personal checking and savings accounts. But don't worry, DoNotPay can help!
The days of banks taking advantage of their customers with arbitrary fees and excessive penalties are over. People work too hard for their money to hand it over to a financial institution.
There is one exception to the rule and that is for account holders that carry an average daily ledger balance of $50,000. Comerica Platinum Circle Checking account holders will automatically receive unlimited refunds of Comerica ATM fees when using an out-of-network ATM in the United States. They will also receive a refund of the ATM surcharge fee charged by the ATM owner, limited to six transactions per statement cycle.
The rest of us that don't have $50,000 in our bank accounts are left to pay the Comerica Bank ATM fees unless we decide to take action and make banks realize our business is just as valuable as premier account holders.
Tips for Avoiding Comerica Bank ATM Fees
The best way to avoid Comerica Bank ATM fees is to find a location owned by Comerica. Unfortunately, that is not always easy to do, especially when traveling.
Other methods of avoiding unfair ATM fees include:
- Use a debit or credit card for all transactions, avoiding the need to carry cash.
- Get cashback while shopping at the grocery store or chains such as Walmart that do not charge a fee for getting cash at the register.
- Go into the branch location and make a withdrawal.
- Use the ATM less frequently, taking out a greater amount each time.
Many banks, including Comerica, will waive the non-network ATM fee if an account holder has a significantly large balance in their checking or savings account. The limit is at the discretion of each banking establishment.
What Types of Bank Fees Can I Get Refunds for With Donotpay?
Doing business with banks without overdraft fees or ATM fees is a step in the right direction to keeping more money for yourself. You may find yourself wondering:
- What is the PayPal transfer to bank fee?
- Do banks charge overdraft fees on weekends?
- How do I request a Bank of America overdraft fees refund?
- Are Fifth Third Bank overdraft fees reimbursable?
DoNotPay has the answers to these questions along with many more. We can help you waive wire transfer fees, international fees, ATM fees, etc., with just the click of a button. DoNotPay can also show you how to cancel overdraft fees on Comerica bank accounts.
Utilizing the automated system for all your banking-related issues is like having a financial advisor available 24/7. There is no task too big or too small that DoNotPay cannot handle.
The quarterly subscription price to access our innovative service is only $36 and supports all U.S. banks, credit unions, and credit card companies. All bank fees are disputable, and DoNotPay can even appeal bank fees automatically for you every month.
How to Dispute Comerica Bank ATM Fees on Your Own
To dispute a Comerica Bank ATM Fee, you can take the following steps:
Sending a letter is a viable option but may take considerably more time to receive a response. But, if you don't have the time to wait on hold or visit a branch location, this may be your best bet.
Mail can be sent to Comerica Bank, Corporate Quality Process Department – MC 3232, PO Box 75000, Detroit, Michigan 48275.
Comerica Bank offers a self-guided interactive voice response (IVR) system that is available seven days a week, 24 hours a day. Call 800-266-3742, and the automated prompts will guide you through a series of questions in an attempt to offer assistance.
If the IVR system cannot help, you will have to call Comerica Bank during regular business hours. The Customer Service Department can be reached at 800-266-3742 Monday through Friday from 8 am to 9 pm and Saturday from 8 am to 5 pm.
You can visit any branch location and ask to speak to a customer service representative. Keep in mind that you may have to wait until an available employee can process your request.
How to Get a Refund of Comerica Bank ATM Fees With the Help of DoNotPay
DoNotPay is the perfect solution for consumers that don't have time to waste trying to contact their bank to dispute Comerica Bank ATM Fees. The entire process is super easy and gets quick results.
How to Get Comerica Bank ATM Fees Waived with DoNotPay
If you want to Get Comerica Bank ATM 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 Request a Refund of Comerica Bank ATM Fees?
The DoNotPay automated system is:
- Fast—You don't have to waste time waiting for the bank to take your call. DoNotPay can process your request in less than five minutes.
- Easy—There are no tedious forms to fill out or lengthy conversations to be had. Everything is direct and to the point, getting quick results.
- Successful—You will know your request is being handled professionally in the most efficient manner possible.
What Else Can DoNotPay Do?
In addition to handling disputes involving Comerica Bank ATM Fees, DoNotPay can help with:
- Chargebacks and refunds
- Revocable living trust
- Insurance claim
- Gift card cashback
- Small claims court
DoNotPay is designed to quickly and efficiently solve everyday issues that may arise. Having someone on your side around-the-clock gives you peace of mind to take control of business matters you may have been putting off.
DoNotPay eliminates the hassle and works with you every time to find a resolution.