if funds are refunded, can i still get charged overdraft?
89095
They will charge you. But if you explain that it is unjustified they will refund both overdraft fees.  If the customer service rep doesn't understand, talk to the supervisor.
1064599
Unfortunately I don't know of any....this is a major source of income for any financial institution, along with interest they charge on loans, its the only way the stay in business thanks to the neverending amount of bank account fraud in this country.  I doubt you'll find a bank without some form of overdraft fee....the trick is to find a bank that charges the least !!\nOverdraft fees can run anywhere between $20  and $35 per item....a bank that charges $20 is pretty cheap these days.\nGood luck !
919502
You will still get bills from the CC company until the balance is paid off.  It does not matter if you cancel the card before it registered as a charge.  \n\nSame is true if you wrote a check.  The bank will keep the account open for several days to confirm there are no outstanding checks.  If the check comes in, they will ask you to pay that amount and possibility list it as a bounced check.
45296
First, it's "..overcharged THEIR customers. Will THERE be a refund?"\n\nThere's no indication that there will be any refunds forthcoming.
726889
they give you a year after graduating to start making payments. That's if your over the earns threshold of about £10,000 a year.\n\nYour employer will be contacted and they will automatically take it out of your wages, this payment will be marked on your payslip each month.\n\nInterest has been added since the loan was first taken out at the start of your course so expect it to be more than you have spent.\n\nYour overdraft and credit cards have to be paid back as soon as possible, for example my student account at HSBC has an overdraft facility of up to £1,500 and at least £500 has to be paid back in your first year out of uni and the rest is to be paid back the following year.
35518
The Department Of The Treasury's Financial Management Service, who processes refund payments for the IRS, will notify you if they are turning over an overpayment to whoever holds the paper on your loan.  It is this agency, and not the IRS, that would have this information.  They notify the IRS that the amount was taken, but not by whom.\n\nNote that this withholding would only happen if you are indebted to the federal or other government due to their guarantee of your loan.
205623
First off... get rid of your debit card.  It will get you into lots of trouble, they ALWAYS honor debit card purchases, even if you don't have the money.  You could spend $3 at Mcdonalds and they charge you $29 overdraft fee.  Write checks only for your bills, and put them in your check register.  Decide how much cash you will need for the week and take out that amount only... when your cash is gone, you're done spending.  lots of luck\n\nCall your bank or go in and ask if they can reverse any of the fees as a one time courtesy... sometimes they will, especially if you threaten to close your account
393322
Usually, if you use a bank card to get money back, they send a transmission over the phone line. They will know right then that you don't have sufficient funds and won't give you the money anyway.\n\nSome accounts have what's called overdraft protection, which is usually a small line of credit (I have $250 on my account) that you can borrow against. That money, plus a fee (usually a HIGH fee - mine is $35 if I use even one cent of the credit), gets replaced next deposit you make. Call your bank to find out if your account has that feature or if you can get it.
880482
Actual funds are not available until the check you are depositing clears the bank of origin (since most money transfers are done electronically, the delay is minimal on payroll checks). Deposit at the ATM today.. since most banks have times deposits are posted to the account, such as Next business day, after 3pm deposits aren't posted until after midnight of the next business day... it's pretty convoluted... at least a deposit slip will cover any automatic fees in your account. However, the funds may not be available to you to get cash back at the ATM machine.\n\nDaveB mentioned over drafts.. this is true, the bank will withdraw funds before posting deposits.. it's their way of charging overdraft fees. so as long as you have enough money for your requested cash withdrawl, you'll be fine.
393997
Dont leave your card in the ATM Like I did and had to cancel card and wait 2 weeks for a new one. OUCH\nDo not over spend what you have in your account. They will charge you overdraft fees. Thats it! Make sure you get overdraft protection too.
646997
At this moment in time, I would like to not using my overdraft for paying bills and not much else!
1066113
Both credit card advances and payday loans (also known as paycheck loans) charge outrageous fees.  Check with your bank to see if you can get what is called "overdraft protection", as this service will serve as a de-facto short-term loan.
853742
No.  When you overdraw your account the bank charges you a hefty fee and you have to put the money back.  If you do this within 30 days there should be absolutely no problem at all.  There WOULD be a problem if you overdrew the account and refused to make good on it, then at some point the bank would close your account and put you into collections and if they ever obtained a judgement then it would show up in public records.  Normally, however, it is no real big deal to accidentally overdraw the account.  The worst part of it is getting hit with the fees, especially if you write a $20 check which bounces and then get hit with a $30 fee.  I hate it when that happens.\n\nYour occasional overdraft will never show up on your credit report. Over the years I have forgotten to enter a few ATM withdrawals into my check register and then bounced a few checks from time to time.  This will NOT affect your credit in any adverse way as long as you cover the overdraft as soon as possible.  It happens to all of us at one point or another; all it takes is a really good brain fart and then a few days later you get a real thin envelope from the bank in the mail saying, in effect, "HA HA! You messed up and we are charging your account $32 for non-sufficient funds. Tee Hee!"\n\nWhenever I get a thin envelope in the mail from my bank I know I have dicked myself.
405795
In using your debit card you engage in transactions that are the same as writing a check.....If you overcharge your acount you will usually be denied the transaction on the basis of insufficient funds. If, however, you do manage to overdraw your account you will end up with a negative balanc, and you will recieve a return check fee just as you would if you wrote a bad check.  The next time you deposit money into your acount the negative balance will be deducted from that money.  No collections unless you close the acount and dont pay the money you owe.
972348
Are the Halifax asking for her to pay off ner overdraft NOW!!!!????
242670
It depends on what you mean by "didn't go through."  If you mean that you got an error back that said you were declined, then that account will not be charged.  If the website just sat there and didn't do anything, you'll have to wait until you can check your bank account to see if a charge went through.
266386
Yes.\n\nThe overdraft protection is so you don't bounce the check back to the person or business you wrote it to. Your bank will STILL charge you a fee. Overdraft protection just means they won't reject the check.