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I never thought Chat GPT could help me get my bank to reverse a fee — until it did! I saved $50, and it took me less than five minutes.
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Here’s what happened. A couple weeks back I was charged $50 to do a wire transfer at my local bank branch. To be fair, I saw the fee coming and accepted it at the time — but honestly, I just felt too nervous to ask for a waiver face to face.
When I got home, I fired up Chat GPT and asked for help. It spat out a beautiful script I used to call up and get a refund.
First I told ChatGPT my overall situation — how much I was charged, how long I had been a customer at the bank, etc.
Here’s a version of the message it recommended I call the bank with:
“Hey, my name is Joel, I’m hoping you can help me… I recently visited a bank branch to do a wire transfer, and I got charged an annoying $50 fee. Honestly, I’ve been a loyal customer for 12 years, and I love working with this bank. Is there any chance you can waive this $50 fee as a goodwill gesture? It would absolutely make my day.”
Short. Sweet. To the point.
When I called customer service, I read this word for word — and they granted my refund on the spot. If you, too, are sick of fees hitting your accounts, check out our list of top checking accounts — many of which have no or low fees and account minimums.
Many big banks nickel and dime you wherever possible. (Some banks have no fees, and I’ll talk about my favorite ones below).
But small junk fees can be easily waived. You just have to ask in the right way.
Keep in mind, you don’t want to be calling your bank every day and asking for discounts. This should be an occasional request.
If you find yourself getting hit with loads of junk fees, you should consider switching banks!
While you’re at it, you might even be able to snag a welcome offer or a higher APY on your balance.
Check out our top six high-yield checking accounts with the best APYs and lowest fees.
If you’re new to using ChatGPT, here are some ideas to get you started. Just log in and try typing in a request like this:
Next time you see a surprise fee, don’t just accept it. Ask your bank if they are willing to give you a refund. The worst they can say is no.
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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of Motley Fool Money. Joel O’Leary has no position in any of the stocks mentioned. The Motley Fool recommends Discover Financial Services. The Motley Fool has a disclosure policy.
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