Fight First Citizens Bank Overdraft Fees the Easy Way

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How to Fight First Citizens Bank Overdraft Fees the Easy Way

Are you dealing with ? Overdraft fees are a common problem that many account holders face. Unfortunately, unexpected overdraft fees can easily put a damper on your finances. Whether you have an overdraft fee due to an error or you've miscalculated a purchase, fighting an overdraft fee is certainly possible.

The problem is that many people don't know the process of getting overdraft fees removed or don't know that they can even fight to get rid of First Citizens Bank overdraft fees. At DoNotPay, our goal is to help you get rid of pesky overdraft fees and get your bank account back on track. If you're a First Citizens Bank account holder and need to fight an overdraft fee, read on to learn the steps you can take to get rid of it on your own and why using DoNotPay is the best option to successfully request an overdraft fee removal.

Types of Bank Fees at First Citizen Bank

The following fees are associated with First Citizen Bank's Digital Banking Fee Schedule.

Wire Transfer ServiceA wire transfer enables you to send funds electronically to other people or entities either domestically or internationally. At First Citizen Bank, they have two different types of wire transfer services. This includes:
  • Wire Transfer Base Module (per month): $15
  • Domestic Wire Origination (each): $15
ACH FeeAn ACH fee is a common charge included with banks. This is a charge for processing ACH debit or credit transfers. First Citizen Banks have a wide variety of ACH service fees. Here are the 3 most expensive ACH fees you may encounter.
  • ACH Batch/Payroll and ACH Collections Module for 30 transactions: $25 per month
  • ACH Batch/Payroll Module for 15 transactions: $15 per month
  • Federal State and Tax Payment: $3
External Fund TransferFor transfers that are from bank to bank, First Citizen Bank charges $2.99 per transfer.

Will First Citizen Bank Refund Overdraft Fees?

Most account holders experience an overdraft from time to time. If you receive a charge on your account for any reason and there are not enough funds, you may be charged an overdraft if you're enrolled in an overdraft protection program. As part of the program, the bank will pay the remaining balance on your behalf, which ultimately allows the charge to go through. But in order to use this service, you will need to pay a fee every time the bank has to cover a charge.

As part of First Citizen Bank's Overdraft Protection Program, account holders will be charged $36 each time they have to pay an overdraft up to a limit of 4 overdrafts each business day. However, First Citizen Bank will not charge account holders an overdraft fee for overdrafts caused by $5.00 or less.

With that said, it's possible to get a refund if you've been charged . While they don't provide any specific information on the overdraft refund process, there are a few steps you can take to get your overdraft fee refunded. Keep in mind that your success in getting a refund is more likely if you rarely have overdrafts on your account.

How to Get a Refund on First Citizen Bank Overdraft Fees on Your Own

Here are some general steps you can follow to try and get a successful refund from First Citizen Bank:

  1. Go to the First Citizen Bank Website.
  2. Navigate to the bottom left corner of their website where you will find their methods of contact. You have the option to call or email, but it's best to call for a quicker response.
  3. Their customer service is available 24/7. Call and talk to a representative and simply ask if they can remove the overdraft fee. The rep will likely look into your account and see if you qualify. If you haven't had many overdrafts, there's a good chance you will get a refund.

How to Successfully Get a Refund With DoNotPay

While overdraft protection is certainly a great feature to have to cover insufficient funds, overdraft fees are no fun for anyone. If you've just been hit with an overdraft fee from First Citizen Bank and want to get a refund, let DoNotPay help. Many account holders believe that they're not eligible for a refund or they simply just don't want to go through the process of trying to get a refund for an overdraft. But DoNotPay believes you should never be paying for more than what you need to. We are quick, easy, and successful at helping First Citizen Bank account holders request a refund with no hassle involved.

All you have to do is:

  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.

And that's it! DoNotPay will send the appeal letter on your behalf to your bank, so your fees get refunded! If your bank has any further comments, they'll reach out to you directly. Requesting a refund for an overdraft fee has never been easier. Sign up today to get started with DoNotPay!

What Else Can DoNotPay Do?

DoNotPay can help you waive bank fees not just from First Citizens Bank but from other merchants as well:

DoNotPay can also help you solve other problems such as:

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