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what happens if i overdraw a checking account at the atm wit



Sub: what happens if i overdraw a checking account at the atm wit
Thu, 06/09/2012 12:00

what happens if i overdraw a checking account at the atm with key bank



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waffles
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Sub: #1 You can get them refunded if you get on line with the right persThu, 09/06/2012 - 12:00



You can get them refunded if you get on line with the right person and it isn't a usual occurrence. For example if you have a perfect checking account history for 3 years then you have an emergency and your account gets assessed with hundreds in fees, the bank will most likely waive some or all of them especially if you were dealign with a real emergency.

I think, however, the OP was referring to the bank deciding whether or not to PAY the overdraft, i.e. return the items or pay them on your behalf. Either way unfortunately a fee usually ensues.

Is my payday lender illegal in my state?

How to deal with illegal lenders, courtesy of OhioGal

How to write a proper debt validation request, courtesy of SOAPLADY

How to deal with a Collection agency contacting you for PDLs


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Sub: #2 Quote:read over the posts here. my bank allows overdraft and im Thu, 09/06/2012 - 09:17



Quote:
read over the posts here. my bank allows overdraft and im sorry to say i do it often with this particular account. they slap on their $35 overdraft fee for each transaction. usually banks consider your time with them. monthly income by deposits....and so on .


Most banks DO NOT consider anything....NSF charges and overdrafts fees are automated...and they really dont care how long you have been with them.

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Sub: #3 read over the posts here. my bank allows overdraft and im sorry Thu, 09/06/2012 - 09:03



read over the posts here. my bank allows overdraft and im sorry to say i do it often with this particular account. they slap on their $35 overdraft fee for each transaction. usually banks consider your time with them. monthly income by deposits....and so on .


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Sub: #4 Keybank Is AWFUL!Fri, 05/06/2011 - 12:11



I too have had horrible problems with Keybank. They are the WORST bank ever! One of the first deposits we made with them, which was for well over $1,000, they gave us a handwritten receipt for and then it didn't show up in our account! It took a few days to get the money back. Our account is currently in the negative becuase of SEVERAL problems we've had with their virtual merchant services and the branch manager is doing NOTHING to help us in the matter even though the rep apologized to us (with the branch manager on the call)....she admitted to giving us wrong information at the time we signed the contract. So now we are in the process of taking them to small claims court! If you are a small business stay AWAY from Keybank!!!


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Sub: #5 If you knowingly put an envelope in the ATM that had no money inTue, 02/23/2010 - 09:09



If you knowingly put an envelope in the ATM that had no money in it then yes I would say that's criminal. If you simply just pulled money out of the bank like I did (without making any deposits) and the bank let you have the money I can't see how that could be considered criminal. I know from experience with most banks they give you a provisional credit such as $250 for which you're entitled too until they verify the rest of it. So if you put in $2000 in the ATM they'll only give you $250 until your deposit is verified. Putting money in the ATM that really doesn't exist is no different than bank robbery, it's fraud.


love_my_things
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Sub: #6 so you did fake deposit money is that what your saying? if thatsMon, 11/23/2009 - 13:08



so you did fake deposit money is that what your saying? if thats the case you may be charged with fraud

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Sub: #7 what do you think could happen if someone knowingly fake depositSun, 11/22/2009 - 16:33



what do you think could happen if someone knowingly fake deposited (empty envelopes in ATM) and used debit card over weekend knowing no money in account....bad huh? so once everything goes thru I will most likely am down about a thousand...if it goes to collection then I will deal with that...but more worried about jail and such...any thoughts?


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Sub: #8 Talking to a Lawyer and suing the bank is the only way for them Sat, 11/07/2009 - 07:39



Talking to a Lawyer and suing the bank is the only way for them to get the message that they are operating there business Illigally and I know because I am talking with a lawyer now about US Bank doing this to me on more then one occation even though I had money in there... I belive this is considered Money Laundering and Stealing. Talk to a Lawyer and see what you can come up with and if you get no results then Sue there pants off of them Thats what I am going to do even though it is time Consuming it is the only way to stop this.. Good Luck to all


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Sub: #9 Lawsuit???Sun, 05/24/2009 - 08:39



I would like to know if there is anyone who is suing Key for re-arranging purchases in order to generate fees? Didn't that happen to another big bank?


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Sub: #10 I was once a Key Bank customer who was billed more than $2000.00Sun, 05/24/2009 - 08:36



I was once a Key Bank customer who was billed more than $2000.00 in overdraft fess in one year. From my experience with Key Bank they give you a fake line of credit...one that tells key how much you are willing to pay in overdraft fees. Even though you don't have enough money in your account, they will still let you use the debit card untill you reach the overdraft limit Key sets for your account. Key told me on several occasions that they have re-arranged my purchases from largest to smallest, instead of real time in order for my "more important purchases to get funded"..More important being the larger ones. I requested several times that this qwaze credit line be set to zero. That worked for a couple months and then my erroneous fee credit line would be back up to two or three hundred dollars.
This was just one of several things that were totally illegal. There were many other things that happened during my time with Key. I no longer have problems once I switched banks.


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