How to Get Help With an Overdrawn Bank Account
Today, it is easy to overdraft bank accounts because so many businesses widely accept checks and debit cards. With the amount of theft that is experienced today, you may not carry much cash with you. Checks and debit cards may be used to make most purchases and you need to ensure you record them all, so that you do not overdraft your account. Overdrafting an account is when you spend more money than what you have in the bank. Overdraft fees are expensive and can create a financial burden for you.
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Things You'll Need
- Computer with Internet access
- Telephone
- Bank account information
- Social security number
Instructions
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Bank Overdrafts
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Call your bank. Most banks offer a customer service department 24 hours a day. If your bank is not open, you are usually directed to this department. The customer service representative can go over deductions from your account to see why the account overdrafted. It may be that you did not record all deductions or there may have been fraudulent activity on your account.
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View your online banking. Most banks offer the convenience of banking online, so that you can view your account activity at any time. You can view all of your withdrawals to see why you overdrafted your account. If you see any unauthorized withdrawals, you should report it to your bank.
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Visit your bank. If you prefer to sit down with a personal banker, you can visit your bank in person. Your banker will be able to sit down with you to discuss your statement and go over your withdrawals. If it was not your mistake, the bank could correct it and refund you any overdraft fees. If your overdraft occurred because of unauthorized activity, your banker can investigate it for you. If the overdraft was your mistake, your personal banker may be able to extend an overdraft line of credit to you, in which the bank will pay future overdrafts for you and you can make periodic payments on it.
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