As soon as we see a negative sign in our checking account ,We pick up the phone and call the Banks and hey "Be Nice... Or you might lose it " . Here are the things we do
1. Remain Polite and Patience
2. How are you going impress
3. Try to convince to hear the golden words "one time Courtesy sake"
Really , We are begging them to give our own money back , This is not fair , The fees are as high as $25 ,$ 35 or $50 , even if the balance is $-1 .00 , you pay the bank the money 25-30 times more.
We believe there should be a fair way to deal this and not rob peoples money.