Help with 5\3rd Bank

Amber03 · **Help with 5\3rd Bank**

I have a checking account with 5\3rd Bank. It is basically used for my automatic deposit of $60 every Thursday, which is my child support. I try to check my account to make sure everything I spend is covered and to have a little extra money in case fees pop up. This week I only had 43 cents in it. I had a book on Amazon which didn’t sell and I forgot that they charge $1 fee. This will leave my account overdrawn 57 cents. It is pending but will go through tomorrow. I called the 1-800 number and they said I would have to wait until the fees have been assessed to dispute the fee. Should I dispute it tomorrow when it will go through? I think that $33 for 57 cents is ridiculous and I need this money to help DH with some bills. Or should I take what I will have left and find another bank? Or both? Has anyone had this happen before? I would appreciate your input. Thank you, ladies.

indianamommie · 08-01-2007, 12:52 PM

Is this the first time you have been overdrawn with 5/3? If so, I would call your branch and see if they can reverse the fee. If you like this bank, I would keep the acount. But if you want to close it out, you'll need a positive balance. HTH.

Oregano · 08-01-2007, 12:56 PM

I would wait until tomorrow and then go to your branch and talk to them directly...

crystal ann · 08-01-2007, 01:01 PM

I would probably talk to the bank in person and see if they can make an exception. I would deposit the .57 cent I owed, and bank elsewhere if they couldn't help me.A thirty dollar fee for a first offense of .57 cents sounds outrageous. Especially when alot of people have a small line of credit on their checking account usually around 500.00 and that keeps them from overdrawing.Some people may not agree with this and that's fine but, this is what I would do personally.

Amber03 · 08-01-2007, 01:02 PM

Quote:

Originally Posted by indianamommie

Is this the first time you have been overdrawn with 5/3? If so, I would call your branch and see if they can reverse the fee. If you like this bank, I would keep the acount. But if you want to close it out, you'll need a positive balance. HTH.

The last time it happened was last month. It was a false charge from Speedway because I used my card at the pump and the next person in lines gas payment of $60 was somehow charged to my account. So, it wasn't my fault. Speedway gave me $60 and the manager wrote me a note so that they would take off the fees, which they were good about doing.