The Bank was very nice to me yesterday!

@marciascott (25554)
United States
May 8, 2009 9:18am CST
I said a prayer before i went into the Bank, I have 2 accounts, one with this Bank and one with another Bank, You know how the Bank will charge you money when you are Negative. Well I went into the Bank and talked to the Bank Maneger she was real nice, I had owed like -90.00 all because I owed $4.00, I haven't checked on my account lately, yesterday I checked my account and it said - $90.00 I talked to here and she gave me a Break, I thought that was so nice of her. I thanked her and I told her since she straighted ourt my Account, I would put some more money in the Bank, because I didn't want to close it. Was I lucky or what? I am so happy, ever thing worked out fine. Anything like this ever happened to you?
5 people like this
15 responses
@seabeauty (1480)
• United States
8 May 09
I have a -300 balance on my account and my bank won't let me close my account until that balance is paid. In the meantime they keep charging me 11 dollars a month as a fee to keep it open. What the heck? I have to call my bank to see if they will stop charging me as I will never be able to pay off the balance. I am glad you got a break. I hope I have the same luck.
2 people like this
@marciascott (25554)
• United States
8 May 09
Why don't you go in and tslk to them like I did. even say a prayer, that might help. Wow, that is a lot, that can mess up your Credit, and you won't ever be able to open up anymore bank accounts, you need to take care of that. Werte you a long time customer? I hope you can get things straigten out.
@seabeauty (1480)
• United States
8 May 09
I have had that account for 2 years. I have had a few checks bounce and as a result it is over 300 negative balance because the bank charges me 35 dollars fee for bounced checks. I was told I cannot open another account elsewhere by the bank if I don't pay it off. Sigh. I will talk to them and see if they can just wave the monthly fees so they don't keep adding up. I have no idea when I will be able to pay that balance off as I am not working.
1 person likes this
@marciascott (25554)
• United States
8 May 09
That is my problem too, I also told the Bank Manager that. It must of helped.Good Luck with it, go ahead and take care of it, it won't hurt to talk to them like I did.
@34momma (13895)
• United States
8 May 09
don't you love it when things work out for the best like that. that happened to me with my cell phone bill lastl week. they charged me for something they were not suppose to, so because of that something they were suppose to charge me for they took off my bill. which was a savings to me of $80. gotta love things like that
@marciascott (25554)
• United States
8 May 09
Hey 34momma you were lucky! I hope you have a Happy Mothers Day
1 person likes this
@34momma (13895)
• United States
8 May 09
I wish you the same too honey!
1 person likes this
• United States
8 May 09
I used to work at a bank. People came in all of the time with problems like this. Many times the fees will be reversed if you have been a customer there for a while and it is the first time that it has happened. The people who drove me crazy are the ones who would come in every week wanting us to reverse the fees! It sounds like you have a good bank with good customer service! It is always nice to know because there are so many banks out there that just dont care about their customers!
2 people like this
@marciascott (25554)
• United States
8 May 09
Well, it wasn't like I was coming into the Bank every week to ask for a favor, she was very nice about it.
@sanuanu (11238)
• India
9 May 09
I had owed like -90.00 all because I owed $4.00 Well, it may be because you owed Rs. 90 to the bank and bank needed money from you, that may be the reason why the bank person was good to you. but in any case if we find good person in banks, it is always good. You were lucky that day!
1 person likes this
@marciascott (25554)
• United States
9 May 09
I hada Debit Card, and I only had $4.00 in the Bank, I had charge something, and i thought they had took out the $8.00 but they didn'tso that is why I end up owing all that money, $32.00 for the Check, that is what they charge. then I was chargd $8.00 a day.
1 person likes this
@sanuanu (11238)
• India
9 May 09
oh, I never like when my check gets bounced because of no money available in my bank account because it is a double charge for me, I will ahve to pay the bank but I will have to pay that person also who used my check!
1 person likes this
@marciascott (25554)
• United States
9 May 09
Yes I wiol be much miore careful and keep everthng balanced, you should too, it really taught me a lesson!
@stephcjh (32327)
• United States
10 May 09
That was very nice of your bank to do that for you. I know they charge outragious fees when you are overdrawn for even a penny.
1 person likes this
@marciascott (25554)
• United States
10 May 09
yes that is right even if it is only a penny you will get charged, 32.00 to 35.00 it is crazy!
@springs (926)
• India
9 May 09
I never owed money from the bank and i never talked to the bank manager.Here in a bank which i am having an account,is worst.They talk very rude and they are the most irritated employees i have ever seen.I don't know why those people are reckless.I hate to go that bank so i changed my account to another bank.We are saving money they should be polite to us or they should be nice.This is what i think
1 person likes this
@marciascott (25554)
• United States
9 May 09
Some of them are nive, and some are not, I have been to some Banks where the Bank Manager, will not give you a break. I even got a Survey call from this Bank, they wanted to know how I was being treated, , the ask from 1 to 10 how woukld you rate the Bank manerger, I told them I rate her a 10, because she was really nice!
@jellymonty (2358)
9 May 09
What is the name of this bank as I sure would love to be a customer there! But ofcourse its never a good idea to have your balance on in the negative...
1 person likes this
@marciascott (25554)
• United States
9 May 09
I know some of them won't even listen, well I told her, that I was out of a Job, and My Motor just went out, and I really talked to help, and said will you please help me! I promise I will put some more money in the Bank and not Close it, if she straighten it out, I callled the Bank this Morning and I had a Zero Balance, with 21 cents, so it won't close, I am going to the bank today and put some more money in my account, I will be more careful now. Have a great day!
@suspenseful (40316)
• Canada
8 May 09
It happened to us. This week we got friends of mine who own a contracting business to draw plans for our new bathroom and to give us an ensuite and make the house more handicapped friendly. But for the time, we have to stay in a Motel. There is one about a mile away, but it has these lovely buffets and there goes my diet!
1 person likes this
@marciascott (25554)
• United States
9 May 09
I had a Debit Card, that is what I used is that what you used?
@SomeCowgirl (32266)
• United States
8 May 09
I think that it's great when a bank will still be so charitable, even when the economy is so bad. Banks are okay but they aren't my favorite things, before I learned all that I need to know about banks, and even now I still don't know half of the things I should, but in any case, I overdrafted, the fault I believed was the banks, I was nice to the bank but they weren't so much to me. Of course this is my own opinion, in any case, I do business with a different bank now, and to pay back the debt to the bank I still owe, I go to another location that is closer to home, and much nicer.
1 person likes this
@marciascott (25554)
• United States
8 May 09
There are some nice people in the Banks. if you talk nicley to them they will be nice to you. You get some of the Bankers that is mean, I have had a few that was mean to me.
@gemini_rose (16194)
8 May 09
Yes this has happened to me before now and over being a small amount overdrawn but I too managed to get the charges taken off which was a real life saver at the time. I think it is good when the bank does things like that I do not think they would do it too many times but its nice to know that they do give us a break from time to time.
1 person likes this
@marciascott (25554)
• United States
8 May 09
Yes I was jst Lucky, Have a great weekend!
@Savvynlady (3686)
• United States
8 May 09
That was very good of the lady to do; Some of them have good hearts especially if you talk to them and all; But no it didnt. When I was a kid though, I used to take out a lot of books and had to take some back; well, the lady there looked at me and said, well, it's Christmas, I'll let you bring them all back and not pay. I didn't expect that. I expected to pay, kid or no kid; but that lady was real nice to me and I never forgot her generosity.
1 person likes this
@marciascott (25554)
• United States
8 May 09
Well that was nice. Some Custmer Service people are nice, How have you been? I hope all is well! If you are a Mother happy Mother's day to you!
@JoyfulOne (6242)
• United States
8 May 09
Must be that quick prayer helped! Gee, I think you were very lucky. It's almost unheard of for a bank to actually help like that. I've never had that happen because my bank offers that free overdraft protection and it can happen twice before they actually charge you for it. Doesn't mean that you don't have to pay what's negative, just that they don't access any fees for correcting it the first two times. I've never overdrawn, but I've heard many have had problems. You know, it would seem fair that they charge something, but $90 bucks is a steep fee for something like that. (Not that it takes that much expertise...or brains...to get into their computer and fix it.) 90 bucks is like loan shark fees lol. I'm so glad you lucked out there!!! Wishing you a very Happy Mother's Day!!
1 person likes this
@marciascott (25554)
• United States
8 May 09
You know maybe a should get overdraft protection, I must fine out how that works. I think you have to have a Savings Account right? Anyway, Have a Happy Mother's Day!
1 person likes this
@catdla1 (6005)
• United States
8 May 09
It's easy to make a mistake and have a checking account go a little negative. It's human error to make math errors, or sometimes have a really old check suddenly clear after you've written it off. It's obscene the fees that the banks charge for these small indescretions. I don't think the fee should be any higher than the amount you were overdrawn by. Fair is fair, but what the banks do is robbery.
1 person likes this
@marciascott (25554)
• United States
8 May 09
Yes, that is how they make there money off of us.It's a shame, but that is how the Bank works. That's why some people won't put there money in the Bank. I was very Lucky.
• India
9 May 09
That's great. I have been interacting with some banks here and I find that no matter how your records are they are pretty strict and they give do not give any extension or do such things. They are very money minded and do not even like to listen to the problems of their customers. bourne
1 person likes this
@Darkwing (21588)
18 May 09
It seems your prayers were answered my friend. Did you feel your guardian angel around you at all? Banks are normally pretty stubborn when it comes to charges, so you managed to get away lightly there. Well done! Brightest Blessings.