conversation: User (davidv3ra): "Okay, so I was super dumb and went out shopping and forgot to leave money in the bank for bills. So when bill day came along I owed about **140~ dollars because of the overdraft fees. FUCK.**\n\nSo the first thing I did was come on here PF, and then took some advice.\nI got it from this [thread](https://www.reddit.com/r/personalfinance/comments/3vxnz9/psa_if_you_get_a_late_fee_on_your_cc_dont_just/)\n I was honest and called my bank first thing in the morning, and didn't yell and scream at the teller, and they removed most of my late fees. I also told them that I would have my money by Monday, and made sure that I wouldn't have any extra fees tacked on. Worked out for me because I hadn't had a single overdraft fee in about a year, so they forgave me, but if you aren't on top of the  bills and you always forget, then they won't be as likely to help you.\n\nI plan on getting a thank you card for the teller that helped me :) "
  Self: "Same thing happened to me with Chase a few years ago. \n\nI'd been a customer for 15+ years and I made a mistake with planning, so I ended up with an overdraft charge. I called them, explained what had happened and that I'd forgotten to set up my Credit Card overdraft protection, and they reversed the charge. Bank employees are people too!"
  