Recently, due to errors in communication, or just the lack of it, my husband and I withdrew more than we had from our checking account, and consequently accrued four overdraft fees at $34 a piece. Distressing as it was to find this out, especially when we probably only withdrew about $30 more than we had, we were able to remedy the problem fairly well. However, the extra $136 we had to pay in overdraft fees was definitely going to put an unsightly dent in our monthly budget. So we decided that I should try to call the bank and see if I could maybe get at least one of those overdraft fees taken away, as well as look into some overdraft protection type accounts. Now, you have to understand that I’m am not a confrontational person, I don’t like asking for favors, nor do I like calling up these type of institutions and trying to understand their employees on the phone. To give you an example: I have had it on my to do list, to call and make that yearly doctors appointment for my boys for about, oh 2 months now…and finally called just today. I am the queen of procrastination about these types of things. So calling the bank today was not exactly a task I was revved up to do. So I call the bank, have to enter my account number, then they ask for my PIN number. My PIN number? I purposely don’t have that thing memorized, nor do I know where I wrote it down. An out! I can get out of having to do this… I don’t know my PIN number so I can’t call these people. So I sent the following email to my hubby:
I tried calling Wells Fargo, but I need my PIN which I haven’t the faintest idea what it is…
Also, I’ve looked over the account and apparently another charge did come in before our transfer of money went in, so I don’t know if we can really do anything about it. I think what we need to do is set up Overdraft protection though, and I think in order to do that we’d need to attach the Credit Card, which is in your name, to the account- so I think you may need to do that, since my name is not on the credit card.”
Way to pass the buck, right? Procrastination at it’s worst. Then I thought, “No, I can do this. I can find my PIN number and call the bank, and at the very least talk to someone about overdraft protection.” So I did. I called the bank, talked to them about overdraft protection was able to get them to take $100 of the overdraft fees away. Yay! So then I sent my hubby this email:
“Hey Babe…nevermind parts of my previous e-mail. I found my pin number, called up, got some info on overdraft protection accounts, and also got them to take away $100 in overdraft fees. Yay! So anyways… we can talk about some overdraft account options later when we get a chance. Love you!
To which he replied:
“Woo-HOO! 100 bucks! Great job babe. See what a sexy voice can accomplish on the phone! 😉
Ha ha ha. Little did he know that the conversation with the “bank guy” went something like this.
Bank guy: “Okay, so did you have any questions about your overdraft fees?”
Me: “Uuuh. No, not really.”
Bank guy: “Okay, did you have anything you wanted to ask me about your overdraft fees?”
Me: “Uuuuh. No. I don’t think so.” Then, realizing he is trying to drag something out of me, “TAKE THEM AWAY!!!???” with a nervous laugh at the end, just in case that wasn’t a possibility, I could sound sort of not serious.
Bank guy: “That’s what I was looking for! We can take away $100 of those fees for you…” and so on…
Let me just say, this was in no way due to my so called “sexy voice.” In fact, I dare say, had I not been divinely sent a helpful bank guy to take pity on my slightly dull brain, there would have been no taking away of any overdraft fees.
Sigh (of relief.)