Ah, overdraft fees. The financial equivalent of a mosquito bite. Just when you think you’re doing fine, BAM! You’re hit with a $35 fee for buying a cup of coffee. But fear not! In this guide, we’ll show you how to get overdraft fees refunded and save your hard-earned cash.

When Can You Get Overdraft Fees Refunded?

The good news is that it is possible to get your fees refunded, but the bad news is that it’s not always a guarantee.

If the overdraft was caused by an error on the bank’s part, such as a processing delay or a technical glitch, then you have a good chance of getting the fees refunded. You can also try to negotiate with your bank if you have a good relationship with them or if you’re a long-time customer. If it’s a one-time mistake and you don’t have a history of overdrafts, they may be willing to waive the fees as a courtesy.

How to Get Overdraft Fees Refunded

The first step is to contact your bank and explain the situation. Be polite but firm, and make it clear that you’re seeking a refund of the fees. Provide any evidence you have to support your case, such as receipts or bank statements.

If the bank is unwilling to refund the fees, don’t give up hope just yet. You can try escalating the issue to a manager.

Brigit Instant Cash and Overdraft Protection tool

To protect yourself in the future, consider using Brigit’s Instant Cash and their overdraft protection tool. Brigit is a financial app that can help you avoid overdraft fees by providing cash advances when you need them. The app monitors your account balance and alerts you when you’re at risk of overdrawing, and you can request cash advances of up to $250* to cover any upcoming expenses.

Brigit also offers overdraft protection, which automatically transfers money from your Brigit account to your bank account to cover any overdrafts.

*Subject to Brigit’s approval and policies. Not all members are approved for advances and the amount varies per customer. Advances range from $50 – $250. Log into the Brigit app to learn more. No credit checks or interest, ever.