Overdraft fee · charged July 14, 2026
$35.00
$35.00 recovered
Start here, warmly.
Hi, my name is [your name] and I'm calling about a overdraft fee of $35.00 charged to my account on July 14, 2026. I'd like to ask whether Northbridge Bank can remove that charge as a one-time courtesy. I know you may not be able to, and I appreciate you taking a look either way.
The reason they should say yes.
This is the first time this has happened, and I've been a reliable customer with a good payment record. Given that history, I'm hoping this one charge can be waived as a one-time courtesy adjustment. The underlying balance has been paid in full, so the only thing outstanding is the fee itself. I'd also like to know what overdraft protection or low-balance alerts I can enable so this doesn't repeat. For context: Paycheck deposit landed a day later than usual.
Ask for the next best thing.
If a full waiver isn't possible, is there anything else you can do — a partial credit, a smaller courtesy adjustment, or a statement credit on my next bill? I'd also like to know if there's a retention or billing department that handles exceptions like this. Whatever you can offer, I'd appreciate it.
Politely ask for a supervisor.
I understand this may be outside what you're authorized to approve, and I'm not upset with you at all. Could you please check with a supervisor or transfer me to someone who can review a one-time courtesy waiver? Before we go further, may I have your name and a reference or ticket number for this call?
Confirm and document.
Thank you for your time — I really do appreciate you looking into it. Could you confirm what was decided and when I should expect to see it on my account?
Always note the rep's name and a reference number before you hang up.
Late Fee Fighter provides negotiation guidance only — not legal or financial advice. Outcomes depend on each company's policies, and no refund is guaranteed.