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Bank of America to discontinue automatic Over Draft Protecti

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NightStar



Joined: 10 Mar 2010
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Posts: 142
Location: Illinois


3177 Magic Points

Subject: Bank of America to discontinue automatic Over Draft Protecti
 
Posted on Thu Mar 11, 2010 6:51 pm  

http://online.wsj.com/article/SB10001424052748704784904575112430638527 738.html?mod=rss_Loans_and_Credit

Consumers are no longer going to be approved for over draft at point of sale. Which caused $35 dollar fees without the consumers knowledge. Now over the amount available transactions will be refused.

If a consumer does want this service they can opt-in

Still over draws at an ATM will generate an Over Draft Fee.

It is finally time that banks stopped bilking customers.
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Aaron

Aaron

Joined: 08 Feb 2010
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Subject: new rule on overdraft fee by BOA
 
Posted on Fri Mar 12, 2010 6:36 am  

Hi Nightstar,

This is a fantastic rule to stop banks from charging overdraft fees without the customers knowledge. According to the Federal Reserve, no bank can charge an overdraft fee without the customer opting for it. The banks are also required to provide the customers with a detailed notice of their overdraft services.

Thanks,

Aaron
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NightStar



Joined: 10 Mar 2010
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Posted on Sun Mar 14, 2010 4:37 am  

I think there was an actual law passed, it should be only a matter of time until all of the other banks fall in line.
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Deni
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Subject: QllglvtDljOnioqfxrN
 
Posted on Thu Apr 11, 2013 7:21 pm  

Go to your bank or call and set up payment aneengamrrts to pay your overdraft fees in 2-4 small amounts until it is positive status. Most of the time the banks won't write off negative accounts until it's over 30 days negative. Most importantly just talk to the bank. Go! Go! Go! Stay away from those cash advance/payday loans. Chances are if you don't have the money now to pay the overdraft fee, why would you want to pay $150-200 or more in interest fees from the payday loans. They are ripoffs and they require your bank account information to get the loan so when your payment is due they will draft your account positive or negative. Stay away from them, please!
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