I work at a bank and totally understand where you are coming from, being a chronic-overdrafter myself. =)
The bank I work for doesn't charge per day, and will 'only' charge 4 service fees in one day (for a total of $132 max in fees daily). The overdraft has to be $1.00 or more for fees to be incurred... but I've still had situations where my account was overdrawn by under $10 (from buying coffee in their cafeteria!), and because they were all separate transactions that posted on separate days, my account was overdrawn by over $250.
Getting them to waive fees is harder for employees than for other customers- because you should 'know better' (and my counter to that is they should PAY better!)
To an extent, I understand that the bank needs to make money. It's a business, it's what they do. But they're reaching into the wrong people's pockets.
If a regular customer overdraws their account,they're allowed a once-per-year courtesy fee reversal. Aside from that, you need to fight tooth and nail to get further reimbursement, and usually it doesn't work.
But if you're a 'premier' (aka rich) customer, they just want to keep you happy. You can afford to pay the fees- but feel you shouldn't have to because you're rich- so, to keep your money, the bank does whatever you want them to so that you don't leave and bank somewhere else.
Seems a little unfair, doesn't it?
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