Originally Posted by haitimom
I have found that they are kinder and more likely to work with you if you go in in person. It is easy to say "No" when they don't have to say it to your face. I have found that if you go in they really do pull up your acct. info. and see that you don't do this regularly. They see it with their eyes that you made a mistake. I also noticed that when you call they don't look it up they just say no. Often we you call you are talking to a cashier. They aren't paid enough to think or use their brain. When you go in you most likely talk to someone higher up. Someone interested in keeping your business. Your business=their raise or promotion.
Well, as a former teller or "cashier" (with a degree and plenty of common sense and street smarts) I was paid well enough and had to use my brain quite often to explain banking procedures to uncomprehending customers. It's not that we didn't "use our brains", it's that we did not have the authority to reverse fees. Only the branch managers do. Furthermore, at least at several of the banks I worked at, each and every customer that called in w/ an overdraft had their acct looked up while on the phone to check their avg balance, how long they had the acct, if they made regular deposits, and how many times they had been overdrawn in the past year. So most banks are not going to say NO w/o looking at your banking relationship first. They would lose too much business that way.
To the OP, I would go over the branch mangers head and over customer service and ask for the district manager or regional manager. Ask them for the answers to tell you your average balance over the past year, how many times you've been overdrawn, and how long your account has been open. Point out again that this was an accident and have them explain their policy regarding when and how debits and credits post. Hope that helps!