https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Thu, 09 Jul 2026 22:29:11 +0000 https://boards.hellobee.com/topic/overdraft-fees-but-didnt-sign-up-for-protection#post-407062 Mon, 19 Nov 2012 22:27:24 +0000 Maysprout 407062@https://boards.hellobee.com/ <p>@junebugmama: This is why I think they can't do it<br /> <a href="http://www.nerdwallet.com/blog/2012/faq-overdraft-protection-law-overdraft-fees/" rel="nofollow">http://www.nerdwallet.com/blog/2012/faq-overdraft-protection-law-overdraft-fees/</a> .<br /> You have to sign something to say you want the protection and the account was open before that law came into place and he def never signed anything and they can't automatically enroll.<br /> He's going to call tomorrow and straighten it out but just wanted to see what they can and can't legally do. </p> https://boards.hellobee.com/topic/overdraft-fees-but-didnt-sign-up-for-protection#post-407040 Mon, 19 Nov 2012 22:03:11 +0000 junebugmama 407040@https://boards.hellobee.com/ <p>They can decline the transactions and charge you fees. Or they can accept the transactions and charge you fees. Neither is illegal. </p> <p>My husband just did something similar. It sucked! </p> https://boards.hellobee.com/topic/overdraft-fees-but-didnt-sign-up-for-protection#post-407033 Mon, 19 Nov 2012 21:59:15 +0000 Springtime 407033@https://boards.hellobee.com/ <p>I thought they would decline transactions if you aren't setup for overdraft. </p> https://boards.hellobee.com/topic/overdraft-fees-but-didnt-sign-up-for-protection#post-407027 Mon, 19 Nov 2012 21:55:05 +0000 sorrycharlie 407027@https://boards.hellobee.com/ <p>I definitely would call the bank. If you haven't had a bad history, they should work with you! </p> https://boards.hellobee.com/topic/overdraft-fees-but-didnt-sign-up-for-protection#post-406898 Mon, 19 Nov 2012 20:15:24 +0000 MrsRcCar 406898@https://boards.hellobee.com/ <p>I would talk to your bank about it. Sometimes they will wave the fees. Doesn't hurt to ask </p> https://boards.hellobee.com/topic/overdraft-fees-but-didnt-sign-up-for-protection#post-406892 Mon, 19 Nov 2012 20:08:54 +0000 immabeetoo 406892@https://boards.hellobee.com/ <p>!! I have no idea - but I accidentally tried to transfer our down payment from online savings to an online CD at a different back twice and it went through and charged me instead of being declined :( Fortunately customer service was awesome about fixing it &amp; refunding the fees since we'd never had an overdraft problem before - so try calling and asking if there is anything they can do! (Yay USBank for us!) </p> https://boards.hellobee.com/topic/overdraft-fees-but-didnt-sign-up-for-protection#post-406884 Mon, 19 Nov 2012 20:01:21 +0000 Mrs. Champagne 406884@https://boards.hellobee.com/ <p>Hm I'd say it should have just been declined. Definitely go talk to the bank! </p> https://boards.hellobee.com/topic/overdraft-fees-but-didnt-sign-up-for-protection#post-406867 Mon, 19 Nov 2012 19:51:05 +0000 Maysprout 406867@https://boards.hellobee.com/ <p>Isn't it illegal now for banks to charge you for overdraft fees if you didn't sign up for overdraft protection? My husband somehow has racked up over $100 in fees for being short $2 in his account. The $2 he was short was just an automatic transfer he set up from one of his accounts to another and he forgot to stop the automatic transfer. But shouldn't the transfer just have been declined instead of overdraft fees? </p>