Of course if they would just allow me to make transfers from my mobile browser, I wouldn’t need them to charge me $25 bucks to move my money from my savings to my checking.

-J

TGHE BANK I USE CHARGES ME 7.00 TO AUTOMATICALLY OVE MONEY FROM MY SAVINGS TO MY CHECKING AND NO OVERDRAFT CHARGE TO MY CHECKING. I KEEP 100.00 OR MORE IN MY SAVINGS TO MAKE SURE I DON'T GET A OVERDRAFT BUT IF I DO 7.00 IS BETTER THAN 35.00 ANYTIME.

I'm with bank of America and have a savings and checking account and don't get charged anything to move money over - I can use the internet or my cell phone. My previous bank (Suntrust) charged me $35 for being overdrawn one time when I was NOT overdrawn - they gave me my available balance, then had a computer glitch that took away my cash deposit again, and then the next day charged me for it and I had to go in and argue to get it back - for which they eventually apologized. If you have a debit account it should automatically stop any charges from taking you overdrawn, so if you are in the supermarket and have no money and swipe your card it should say declined - it is wrong for any of them to charge you 3 or 4 times in a day for mistakenly going overdrawn - one time should be enough - or just don't allow any of the payments through - it would be embarrassing at a check out to be declined, but you'd go straight to your bank and check it out!

I don't use banks.I use credit unions. I transfer money from my saving to my checking via mobil with no charges. I have no overdraft fees because I do not go over what i have in my account. the only problem i have had was with washington mutual credit card company and i called them last month and told them to sticvk it and I stuck it to them.there scam at the time was you could not make a payment on the same day you had to make it two days earlier forcing you to be late if you did it on the day it was due. they charge you 39.00 even tho I was trying to pay it on the day it was due. I know that was a scam by the banks and credit cards are nothing but leagle thieves

My business account was at First Citizens Bank - That is until THEY destroyed my business with their fees. I had a very small (basically two guys & a tool box) auto repair business. We had about $2000.00 in our account when we took in a job to replace an engine in a Ford pickup. The remanufactured engine and related parts for our customer cost about $1800. Labor was going to be about another $1000.
We accepted a deposit from our customer in the form of two $1000 postal money orders, deposited them in our account, and wrote a check to our supplier.
We had a number of smaller jobs in process during this time and had more than enough cash on hand to cover all the checks that were 'out there' to all our various suppliers.
Without telling us, the bank put a 'hold' on the $2000 in US POSTAL SERVICE money orders, paid the engine supplier out of the $2000 we had on hand, and then bounced about 200 small checks to all our other suppliers, landlord and utilities, charging enough in fees in ONE DAY to wipe out our account, leaving it so overdrawn that when they took the 'hold' off the two grand in money orders we'd deposited, they took that too, and said we still owed them ANOTHER $600!! We finished the engine job in the dark, with flashlights and hand tools, and then closed our shop permanently.
This bank who's advertising slogan was 'let us help you do something amazing' effectively bankrupted me in one day and killed my micro-enterprise.
I was amazed all right.

I worked in bank thirty years ago, the overdraft charges then were due to handsorting the NSF checks out and returning them to the payee. We were just starting computer age then, the fee was usually two dollars. What I don't understand today is with all of the electronic transfers why any bank has been allowed to charge up to sixty dollars for a NSF when they are not paying a teller, or account clerk to handle the document.

I think that ALL overdraft fees shouldn't be allowed on anything less that the fee itself. If the fee is $35.00 then you shouldn't be charge that fee unless you are $35.00 or more in OD. Also if you have NEVER had a fee before or make it a habit you shouldnt' be charged at all including if you make weekly deposits or have a direct deposit attached to your account!! It should only be limited to a 1 time fee and give you time to make a deposit to cover that OD no matter how many checks or transactions come in. Sometimes we just busy in our day to day lives that banking it not high on the priority list. And especially in these hard economic times with so many people out of work. We all spend more that we have and make mistakes, but by no means should we all be made to pay an excessive OD fee to compensate for what, a computer that does all the work? I just recently went into a Bank Of the West and found that you get to talk to a computer and person who comes on the computer screen briefly. NO PERSONAL SERVICE!! In fact you do all your transactions through a tube that gets sucked up through a channel. Gee what is banking coming to?? Pretty soon it will be all done with robots and computers and then how can banks justify the fees they charge when no "humans" that even do the work!!
Only us customers can make a difference and if we refuse to pay such fees and start closing bank accounts on banks that do charge excessive fees on any transactions, then maybe the banks will get the hint that we as consumers arent' going to take it anymore!! As long as we allow them to get away with it and do nothing, they will continue to keep charging us and taking our hard earned dollars!!! Our money is tight enough with excessive taxes, no pay raises, and high costs of living without the banks wanting a piece of us too!!

why is american people letting the banks distroy our names and life bank of america and citi has distroyed mine and now there talking about if in default there raising us to 29.99% i have never been late i never got my ststement for the month anf fourgot to send my pay ment i relized paid 2 months payment and apoligised to which could have been the banks fault now my name to which i worked very hard to make sure all payments are made on time for many years now the bank has distroyed why can't we all stop this i know there is a lady out there to which i'm hunting for to help her stop this the more you raise the interest the harder its going to be to the money from some people these people will never see the end please stop robbing the poor people who just want to live

So many say you don't understand why the fees are so much, many complain and whine that they are being charged these fees. What I do not understand, is why are you all pointing fingers at the banks for charging you a fee for YOUR mistake. Take responsibility for keeping your own check book balanced and do NOT write a check you cannot cover. Very Simple solution to not getting fees charges. Anyone with an ounce of brains should know if you do not have the money in the account to cover the check, they are going to charge you for it. Don't take a chance if your balance is low. Do not assume because you call the automated recording for a balance or look on line for a balance, that it will be the exact balance, as they may not have received a check or a transaction that you have made. Keep proper and "balanced" records of your own, don't write that check when there are no funds to cover it, and you will never have another fee. Now, how simple is that???

To Donna that wrote: there raising us to 29.99% i have never been late i never got my ststement for the month anf fourgot to send my pay ment ~~~~~~~~~~~~~~~~~~~~~ What??? If you didn't make that payment, you are indeed late. You are going to blame the bank because you didn't get a statement? I'm sure they sent it out, but got lost in the shuffle of the post office, or whatever? YOU know that you have a payment due each month and you forgot. Because of your forgetfulness, you blame the bank. That doesn't smell right! You have got to take responsibility of your life and not blame others for Your mistakes. If people make a mistake, we most often have to pay the consequences. Get your house in order. Make yourself a note on the calendar or whatever it takes to remind you, if you are a forgetful person. aol has a remind me tool, to send you the reminder on the day you want it.....use it!

Anyone who is stupid enough to overdraw their checking account should expect to pay a fee for their stupidity.