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Bank Fees

Fee Refund Bingo by ChatGPT

Sometimes Begging Works For Fees

Fees can feel inevitable, but sometimes all it takes to get them waived is a bit of humility and a phone call. This article shares a real-life story about an accidental NSF charge tied to a tuition payment gone wrong—and how a calm, honest approach led to a full refund. Whether it’s overdraft fees, late payment charges, or service penalties, banks often have flexibility—especially for long-time customers with good records. The secret? Own your mistake, ask nicely, and don’t assume “No” is the only answer. When it comes to bank fees, asking can still be the most powerful financial tool in your pocket.
#BankFees #NSF

Bank Negotiation

In Banking It is All Negotiable

It is important to remember that in banking it is all negotiable. As example, I got a call a while ago from a friend asking me about what interest rate that I paid on my… Read More »In Banking It is All Negotiable

Cheque Ordering Flowchart

The Cost of Cheques

Cheque costs from banks continue to rise year over year, until the point that cheques will price themselves out of the market. Electronic transfers now outstrip cheques, so why are they so darn expensive?

Day of Rest

Banking on Sunday?

Banking on Sunday in Canada has been around for a while now, but is it such a wonderful service that we can’t live without it?

The Pain of Overdraft and Debt by ChatGPT

Overdrafts Summed Up Nicely

Overdraft charges are more than just frustrating fees—they’re financial red flags that deserve your attention. This article delivers a candid, humorous look at the emotional toll and personal missteps that often lead to overdrafts. Blending sarcasm with self-awareness, it reflects on the reality of poor timing, shared accounts, and why blaming external forces (like Fidel Castro!) won’t help your bank balance.

But it’s not all laughs—there’s a lesson too. To avoid future overdraft pain, consider setting up account alerts, maintaining a small buffer in your checking account, and reviewing spending weekly. If your bank allows it, link a savings account or line of credit to reduce or eliminate overdraft fees. Prevention is cheaper—and less humiliating—than paying for financial forgetfulness.
#Overdraft #Bank Fees

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