Paste the line from your statement — the fee, the charge, the date. In a few seconds you get whether it's a fee you can ask back, an error the bank must investigate, or both; the words to say; the letter to send; and the settings that stop it next month. No account. Nothing stored.
Free — takes 20 seconds
The fee or the charge, the amount, the date, and what happened. If you've already called, say what they told you.
Why this exists
Banks waive fees for people who call politely with a reason, and the law makes them investigate charges you didn't make. Most people eat the fee because they don't know which is which. This tells you, and writes the call.
How it works
The fee or charge, the amount, the date. Nothing is saved.
Waiver ask or legal dispute, the clocks, the script — in English or Spanish.
The Reg E letter, the secure message and the no-more-fees setup, in the full version.
Plans
The free version classifies the fee and gives you the call script. The kit writes the Reg E letter, the secure message, the CFPB complaint text and the setup checklist.
One membership unlocks the full version of ALL our bill tools — utility, internet, subscriptions, bank fees, auto insurance — plus renewal watches that email you the script before any price jumps. Less than one late fee.
All prices in USD, handled by Stripe. The free check and script never go behind a paywall.
Common questions
A refund of an overdraft or NSF fee is the bank's courtesy, not something you're owed by law. The tool gives you a polite script — mentioning how long you've been a customer, that it's a first-time slip, and asking the bank to waive the fee — plus a fallback line asking for a supervisor or saying you'll file a CFPB complaint. It can be wrong about what your specific bank will do, so this is not a guarantee.
First check if it's a subscription you forgot or a merchant billing under a different name. If it's truly not yours, this is a Regulation E error: you have 60 days from the statement date to notify the bank, and it generally must investigate within 10 business days (CFPB, Regulation E, 12 C.F.R. 1005.11). Report it in writing, and if it was fraud, ask for a new card number — your liability can be limited to $50 if reported within 2 business days of learning about it.
No. Bank Fee Refund is not a lawyer and can be wrong — a fee waiver is the bank's courtesy, not a right, while a Regulation E dispute is a right with real deadlines. Confirm the deadlines and your specific situation with the CFPB pages linked in the tool before relying on them.
The tool itself is free and nothing you paste is stored — you don't need an account. There are optional paid add-ons: a $4.99 one-time "Dispute kit" for a single statement, and a $99/month option connecting you with credit unions and counselors, but using the core tool costs nothing.
Under Regulation E, a bank can only charge overdraft fees on one-time debit card and ATM purchases if you opted in — you can opt out, so the card just declines instead of overdrawing (this doesn't affect checks or autopays, per CFPB). You can also ask your bank what its current fee policy is, since many large banks have dropped NSF fees or capped overdraft fees per day, and Bank On lists certified low-fee, no-overdraft accounts if you want to switch.
Un reembolso de un cargo por sobregiro o NSF es una cortesía del banco, no algo que la ley le garantice. La herramienta le da un guion cortés — mencionando cuánto tiempo lleva como cliente, que es la primera vez que pasa, y pidiendo que le exoneren el cargo — además de una alternativa para pedir un supervisor o decir que presentará una queja ante el CFPB. Esto puede estar equivocado sobre lo que su banco específico hará, así que no es una garantía.
Primero revise si es una suscripción que olvidó o un comercio que factura con otro nombre. Si en verdad no es suyo, se trata de un error bajo el Reglamento E: tiene 60 días desde la fecha del estado de cuenta para notificar al banco, y por lo general el banco debe investigar dentro de 10 días hábiles (CFPB, Regulation E, 12 C.F.R. 1005.11). Repórtelo por escrito, y si fue fraude, pida un nuevo número de tarjeta — su responsabilidad puede limitarse a $50 si lo reporta dentro de 2 días hábiles desde que se enteró.
No. Bank Fee Refund no es un abogado y puede equivocarse — una exoneración de cargo es una cortesía del banco, no un derecho, mientras que una disputa bajo el Reglamento E sí es un derecho con plazos reales. Confirme los plazos y su situación específica con las páginas del CFPB enlazadas en la herramienta antes de basarse en ellos.
La herramienta en sí es gratuita y nada de lo que usted pega se guarda — no necesita crear una cuenta. Hay complementos pagados opcionales: un "Dispute kit" de $4.99 por un solo estado de cuenta, y una opción de $99 al mes que lo conecta con cooperativas de crédito y consejeros, pero usar la herramienta básica no cuesta nada.
Bajo el Reglamento E, un banco solo puede cobrar cargos por sobregiro en compras con tarjeta de débito y en cajeros automáticos si usted dio su consentimiento (opt in) — usted puede optar por salir (opt out), para que la tarjeta simplemente se rechace en vez de sobregirar (esto no afecta los cheques ni los pagos automáticos, según el CFPB). También puede preguntarle a su banco cuál es su política actual, ya que muchos bancos grandes han eliminado los cargos NSF o han limitado los cargos por sobregiro por día, y Bank On lista cuentas certificadas de bajo costo y sin sobregiro por si desea cambiar de banco.
Built by the same team, free to try.