One of the easiest ways to save on bank fees is to bank with a community bank or credit union – cialis levitra viagra.Many of the fees for overdrafts, overdraft protection, low balances, maintenance fees, etc – cialis levitra viagra.are less than traditional banks or don’t exist at all.After you’ve joined a community bank or credit union resolve to watch your account a little better.Take advantage of those alerts that will text or email you when your balance is low, so you don’t earn an overdraft fee – cialis levitra viagra. Lastly, get to know the people that work in your branch. Cialis levitra viagra: smaller financial agencies tend to have more discretion about reversing fees, etc.One of the best things you can do to improve your financial situation right now is to join a community bank or credit union.

Part Two: Reader Question

I keep getting overdraft charges on my account; cialis levitra viagra.If I go over even $1 I end up with $30 in fees? WTF?

Okay, I can tell that you’re frustrated – cialis levitra viagra. Cialis levitra viagra: there are two things going on here. Cialis levitra viagra: the first thing is that you are spending more money than you have in your account. Cialis levitra viagra: own up to that.YOU are spending more money than you have; cialis levitra viagra.Secondly, the bank is charging you an exorbitant rate to “front you” the money and there is no way to opt out from taking that loan once you have spent more than you had in the account.

Let’s take a look at your spending habits; cialis levitra viagra.If you are being charged for overdraft fees more than once a year (for a mistake in calculations) that’s a problem; cialis levitra viagra. Cialis levitra viagra: if the mistake is a one time thing, go into your branch and speak with an Account Manager.More than likely the Account Manager will be willing to reverse the fee because you are a good customer; cialis levitra viagra.If you are a serial offender, we need to take a closer look at your spending habits and your account balancing; cialis levitra viagra.What? You don’t write everything down that you spend and subtract it from what you have to make sure that you have enough money to cover the checks you’ve written and cards you’ve swiped? I won’t get into it here cialis levitra viagra, however I will suggest that you start balancing your checkbook more regularly or think about using free account software such as Quickbooks or Office Accounting.

On the part of the bank, they are like the mob – cialis levitra viagra.You sign up for a “free” account and are charged every fee in the book for almost anything imaginable; cialis levitra viagra. Cialis levitra viagra: take a look at the Fee Schedule from your bank if you don’t believe me.You can’t tell the bank not to loan you the money, but you can make sure you always have the money in the account for any purchases you make plus a little cushion to avoid the fee altogether.