Bank fee refunds
How to get a bank fee refunded
The fees 13 big US and Canadian banks charge — overdraft, NSF, monthly and foreign transaction — from each bank’s own fee schedule, plus honest tips for asking for a courtesy refund. Checked .
How to ask any bank for a courtesy refund
Banks can refund a fee as a courtesy, but they decide case by case and don’t have to. These general tips give you the best fair shot.
- Ask soon after the fee posts, and name it exactly: the fee, its date and the amount.
- Say briefly what happened — a deposit that hadn’t cleared yet, a timing mix-up, a first slip in years. Keep it honest.
- Ask for a one-time courtesy refund of that fee. If you’ve banked there a long time or rarely pay fees, it’s fair to mention it.
- Be polite and brief. If the answer is no, ask whether there’s a way to avoid the fee next time — low-balance alerts, overdraft settings, or a different account.
- Banks decide case by case. A refund once doesn’t mean you’ll get one again, and nothing guarantees one.
Pick your bank
US banks
The CFPB’s 2024 overdraft rule for very large financial institutions has no force or effect: Congress disapproved it in May 2025. Source: Public Law 119-10, May 9, 2025
- Bank of America fee refundBank of America’s schedule lists a $10 Overdraft Item Fee (no more than 2 overdraft items per day), but no fee on everyday non-recurring debit card purchases or ATM transactions. Advantage Plus Banking has a $12 monthly maintenance fee with several ways to avoid it.See the fees
- Capital One fee refundCapital One says it has eliminated all overdraft fees for its consumer banking customers, and 360 Checking has no monthly fee and no minimum balance. The fees its 360 Checking disclosure does list are small: $10 or $20 for a cashier’s check and $30 for an outgoing domestic wire.See the fees
- Chase fee refundChase’s fee schedule lists a $34 overdraft fee per transaction (up to 3 per business day), but Chase Overdraft Assist means no overdraft fee if you end the business day overdrawn by $50 or less. Chase Total Checking has a $15 monthly service fee that you can avoid in several ways.See the fees
- Citi fee refundCiti says it does not charge Overdraft, Returned Item, or Overdraft Protection Transfer fees. The fees that matter are the Monthly Service Fee ($5 on Access Checking, $15 on Regular Checking, waived with $250+ in qualifying direct deposits), the $2.50 Non-Citi ATM fee and the 3% foreign exchange fee on debit card use abroad.See the fees
- PNC fee refundPNC Virtual Wallet’s Spend account charges a $36 overdraft item fee (at most 1 per day) and no returned item (NSF) fee. Low Cash Mode gives at least 24 hours of Extra Time to bring the balance to $0 before overdraft fees are charged, and overdraft fees are automatically refunded if you are overdrawn by $5.00 or less at day end.See the fees
- TD Bank fee refundTD Bank’s TD Complete Checking lists a $35 overdraft fee (at most 3 per business day) with no fee if you are overdrawn by $50 or less, and a Grace Period that refunds the fee if you cover the overdraft by 11 p.m. ET the next business day. Complete Checking has a $15 monthly maintenance fee with several ways to waive it.See the fees
- U.S. Bank fee refundU.S. Bank’s pricing guide lists a $36 Overdraft Paid Fee per item (up to three per day), with no fee if you end the business day overdrawn by $50.00 or less and a program, Overdraft Fee Forgiven, that waives it if you cover the overdraft by 11 p.m. ET. Bank Smartly Checking has a $12 monthly maintenance fee with several ways to waive it.See the fees
- Wells Fargo fee refundWells Fargo charges $35 per item paid into overdraft (limited to three per business day) but lists no fee for returned items (NSF). Everyday Checking has a $15 monthly service fee with several ways to avoid it, and Extra Day Grace Period gives an extra business day to cover an overdraft.See the fees
Canadian banks
Federal rules in force since March 12, 2026 cap NSF fees on personal deposit accounts at federally regulated banks at $10, allow no more than one NSF fee per account within 2 business days, and allow none when the account is overdrawn by less than $10 (Financial Consumer Agency of Canada). Source: FCAC, March 12, 2026
- BMO fee refundBMO lists a $10 NSF fee (not charged more than once in 2 business days on the same account, or when the item would leave you overdrawn by less than $10) and, without Overdraft Protection, a $5 charge for each business day an item creates or increases an overdraft. BMO Performance Chequing costs $17.95 a month, or $0 with a $4,000 minimum daily balance.See the fees
- CIBC fee refundCIBC lists a $10 NSF fee (not charged more than once in 2 business days on the same account, or when you’re overdrawn by less than $10) and a $5 charge plus 21% interest when it lets you overdraw without Overdraft Protection. The CIBC Smart Account costs $16.95 a month, rebated with a $4,000 end-of-day balance every day of the month.See the fees
- RBC Royal Bank fee refundRBC’s schedule lists a $10.00 NSF (returned item) fee, limited to one per two business days on the same account and not charged when the item overdraws the account by less than $10, plus a $5.00 overdraft handling fee when RBC lets you overdraw without Overdraft Protection. RBC Day to Day Banking has a $4.00 monthly fee that can be rebated to $0.See the fees
- Scotiabank fee refundScotiabank lists a $10.00 NSF fee (not charged when the shortfall is $10 or less, and not more than once within two business days per account), and a $5.00 handling fee per item if you overdraw without Overdraft Protection. Preferred Package has a $16.95 monthly fee that is waived with a $4,000 minimum daily closing balance.See the fees
- TD Canada Trust fee refundTD lists a $10 NSF fee (not charged more than once in 2 business days on the same personal deposit account, or when you are overdrawn by less than $10) and a $5 Payment Coverage Fee plus 21% annual interest when it approves a payment above your balance. TD Every Day Chequing has an $11.95 monthly fee that is $0 with a $3,000 daily balance.See the fees
Wally, your AI money agent
Let Wally ask your bank for you
Wally spots bank fees and can ask your bank’s chat or secure messages for a one-time courtesy refund. Not guaranteed.
Your bank decides case by case.
Read-only — Wally never moves your money.