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Pays to ask and to pay attention in the first place

May 21st, 2010 at 01:48 pm

Last week, at the gas station, I accidentally hit debit instead of credit when paying. I was in a rush & just went with the debit. A few days later, I noticed a $1.50 service charge to my checking from that transaction. I though (and this was dumb) that it was due to my hitting debit by accident and the gas station charged me the fee.

Enter today, when I went to the company ATM (Which has always been free to use) and withdrew some funds. No notice came up at the screen or on the receipt. An hour later, I went online to my checking and found another $1.50 fee. My own bank is charging me a service fee! I've been with them 10 years and this has never happened.

So I called. Turns out that they sent notices back in March that going forward, you get 2 free ATM withdraws at other banks, then they would be charging. I explained that I did not get notification and that I do not recieve paper statements. Since I balance my checkbook off the online, I never even open my online statements - becuase I've already seen all of the activity. LESSON LEARNED - always check statements, even when you have the online activity.

So I explained that I had missed that info the statement & why. And I just asked "is there anything you can do for me?". They credited the $3.00 back. Going forward, I'm on my own though.

I have to rethink the bank I"m with. Good customer service and free checking. But if there's another bank with free checking and no fees at other ATMs, I might switch.

As soon as I hung up the phone, I printed out the statement with the account changes. Yep, the info was all there. Still, I saved myself $3.00!

Posted in Uncategorized | 4 Comments »

4 Responses to “Pays to ask and to pay attention in the first place”

  1. Phenomenal Woman Says:
    May 21st, 2010 at 03:33 pm 1274455982
    1274455982

    Wow! $1.50 sounds like a lot. When I use the debit card at the gas station, there is usually a 40 or 60 cents service charge. However, the debit cards goes for the cash rate and that can sometimes be better for me than the credit card gas price after some numbers crunching.

  2. MonkeyMama Says:
    May 21st, 2010 at 03:49 pm 1274456955
    1274456955

    I'd drop any bank that charged fees for just about anything. Big Grin

  3. Phenomenal Woman Says:
    May 21st, 2010 at 05:11 pm 1274461917
    1274461917

    Oh I may have missunderstood? My charge is from using the gas machine and not from the bank. My bank don't give me service charge for using the debit card at the gas station. I belong to a credit union though.

  4. HouseHopeful Says:
    May 21st, 2010 at 05:23 pm 1274462596
    1274462596

    Phenomenal - thats what I had assumed for the first fee - that I was being charged by the gas station. But when the 2nd fee hit for using an ATM, I realized it was my bank that was charging.

    ATM withdraws at THEIR ATMS are free. But for the last 10 years, they didn't charge at ANY.

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