Citizens Bank Outrageous bank fees Glenshaw Pennsylvania

to determine whether there was a rip off with the $975; I would assume from the lack of details provided that you didn't agree with the bank as to why you OD your account. Here is some help for you.

1. Making a deposit to the bank does not absolve you of the fees if your account was overdrafted. If you spent money while your account was 'short' and you make a deposit, you're still liable for the fees. Making a deposit doesn't all of a sudden make things OK.

2. Never depend on the online feature to tell you what your balance was; in almost every case, your account will always be less than what it really is because it will not account for outstanding transactions nor will it account for any debit transactions still pending. For example, if you have $100 online and you used your debit card for $50 with a merchant and the merchant takes 48 hours to approve the transaciton, you'll still have $100 in your account online. You only have $50 available, but there is technically $100 in the account. If you then decide to withdraw $60 in cash from your ATM, you're screwed and you've overdrafted your account. Even if you realized the mistake you made and put the $60 back in almost immediately, it won't absolve you of the fees. In such a situation, your account balance never went 'negative' on the online account, and you incurred a fee because the available balance went negative.

3. Always keep an accurate check register - it is not to be substituted for anything online the bank provides.

If you do these few things, you won't have any fee problem ever again. Best of luck to you.

to determine whether there was a rip off with the $975; I would assume from the lack of details provided that you didn't agree with the bank as to why you OD your account. Here is some help for you.

1. Making a deposit to the bank does not absolve you of the fees if your account was overdrafted. If you spent money while your account was 'short' and you make a deposit, you're still liable for the fees. Making a deposit doesn't all of a sudden make things OK.

2. Never depend on the online feature to tell you what your balance was; in almost every case, your account will always be less than what it really is because it will not account for outstanding transactions nor will it account for any debit transactions still pending. For example, if you have $100 online and you used your debit card for $50 with a merchant and the merchant takes 48 hours to approve the transaciton, you'll still have $100 in your account online. You only have $50 available, but there is technically $100 in the account. If you then decide to withdraw $60 in cash from your ATM, you're screwed and you've overdrafted your account. Even if you realized the mistake you made and put the $60 back in almost immediately, it won't absolve you of the fees. In such a situation, your account balance never went 'negative' on the online account, and you incurred a fee because the available balance went negative.

3. Always keep an accurate check register - it is not to be substituted for anything online the bank provides.

If you do these few things, you won't have any fee problem ever again. Best of luck to you.

to determine whether there was a rip off with the $975; I would assume from the lack of details provided that you didn't agree with the bank as to why you OD your account. Here is some help for you.

1. Making a deposit to the bank does not absolve you of the fees if your account was overdrafted. If you spent money while your account was 'short' and you make a deposit, you're still liable for the fees. Making a deposit doesn't all of a sudden make things OK.

2. Never depend on the online feature to tell you what your balance was; in almost every case, your account will always be less than what it really is because it will not account for outstanding transactions nor will it account for any debit transactions still pending. For example, if you have $100 online and you used your debit card for $50 with a merchant and the merchant takes 48 hours to approve the transaciton, you'll still have $100 in your account online. You only have $50 available, but there is technically $100 in the account. If you then decide to withdraw $60 in cash from your ATM, you're screwed and you've overdrafted your account. Even if you realized the mistake you made and put the $60 back in almost immediately, it won't absolve you of the fees. In such a situation, your account balance never went 'negative' on the online account, and you incurred a fee because the available balance went negative.

3. Always keep an accurate check register - it is not to be substituted for anything online the bank provides.

If you do these few things, you won't have any fee problem ever again. Best of luck to you.

Im going to put this one out there, take it as you will. What bank would ever charge you $975 for an overdraft. What this tells me, I work for the company and see this sort of situation all the time, is that you have had multiple overdrafts over the course of a month. The first overdraft fee is $15, it goes up incrementally from there. The highest overdraft fee i've ever seen is $125 and that guy had over 10 overdrafts. .For you to have incured $975 in overdraft fees is just bull$hit, you arew a liar. Be more responsible with your finances. Irresponsible people like you are the reason this economy is in a slump. How many credit cards do you have Mr. Spendthrift?