How To Eliminate Union Bank Debit Card Fees
Nobody likes paying extra fees, including . In addition to charges such as overdraft fees, ATM fees, and transfer fees, Union Bank's debit card fees often catch us by surprise, making us wonder why banks charge so much for simple services.
With the average American household spending $290/year on bank fees, it's clear something must be done. DoNotPay has a product to make your next step in fighting debit card fees quick, painless, and effective.
Understanding Bank Debit Card Fees
Before you can fight your debit card fees from , you'll want a bit of background.
How Debit Card Fees Work
While there are some transactions that are exempt, debit cardholders are paying fees on most transactions. These are generally "debit network fees" that cover the costs of the transaction being routed through official systems. While banks will automatically waive some of these fees, touting their debit cards as "free," they don't waive all of them.
The average interchange fee as a percentage of the average transaction value was 0.57%, with an average fee of $0.23. For exempt transactions, the numbers were 1.16% and $0.44, respectively. These averages include both signature and PIN transaction costs. (Merchant Maverick)
While most debit card fees are regulated to keep them under control, that doesn't mean they seem fair or that any of us enjoy paying them. That includes the debit card fees charged at Union Bank.
How Union Bank Handles Debit Card Fees
While Union Bank does offer "free" Union Bank ATM and Debit Card services, there is a catch. Naturally, this catch has a fee attached.
Use your Union Bank ATM or debit card at Union Bank ATMs for deposits, withdrawals, and transfers between linked Union Bank accounts. Fees may apply to use your Union Bank ATM or debit card at non-Union Bank ATMs or to obtain an ATM mini-statement. (Union Bank)
Did you catch that? In order for your ATM debit card deposits, withdrawals, and transfers to be "free," you must use linked Union Bank accounts and ATMs.
While this might sound like a simple rule to follow, there will come a time in everyone's life when it just makes sense to use an out-of-network ATM.
- You're on vacation and can't find a Union Bank ATM.
- You're faced with an emergency situation and have to use the closest ATM.
- You travel for work and can't be bothered to search out a Union Bank ATM every time you need cash.
In situations such as these, using an out-of-network ATM with your debit card will lead you to accrue fees. If you do this a few times a month (even a few times a year), you'll soon find your fines and fees adding up to what feels like an unreasonable amount.
If that's the case, we have good news. DoNotPay can help you solve this problem fast.
Get Union Bank Debit Card Fees Waived With DoNotpay
If you , you are not alone. Many others have sought ways to have such bank fees waived.
With DoNotPay's simple "Fight Bank Fees" feature, this task has been simpler than ever. After a simple setup, our bot will appeal your debit card fees every month. You just have to set it and forget it!
If you want to get those pesky Union Bank debit card fees waived 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.
It really is as easy as that.
Appeal All Bank Fees Automatically With DoNotpay
In addition to helping you with your Union Bank debit card fees, DoNotPay's "Fight Bank Fees" feature can get ALL your bank fees waived every month.
That would include:
|ATM fees||Account maintenance fees|
|Wire transfer fees||Minimum balance fees|
|International transfer fees||Overdraft fees|
At just $36 for a quarterly subscription, you'll find that all our products and features will save you time, money, and energy every day, making it well worth the investment.
DoNotpay Has What You Need
Banking can prove a frustrating experience, particularly when you find yourself dealing with unexpected charges and fees. Fortunately for you, DoNotPay has the answers and solutions you need to fight bank fees quickly and effectively.
- Fight TD Bank's overdraft fees
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- Fight Wells Fargo's checking account overdraft fees
- Learn whether banks charge overdraft fees on weekends
- Learn about banks that don't have overdraft fees at all
We can also help you with so much more than fighting bank fees. With our easy-to-use features, you can:
- Handle insurance claims
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Come learn more about our amazing products and how they can help you simplify your life.