Home / Bills and subscriptions / Job 13
Ask your bank to waive a fee
Small bank fees feel too awkward or not worth the trouble to argue, so most people just pay them.
What the agent did
Joel O'Leary, writing for Motley Fool Money, paid a $50 fee to send a wire transfer at his bank branch. He felt too awkward to ask the teller to drop it, so at home he told ChatGPT what happened: the fee, the reason for it, and that he'd banked there for 12 years. ChatGPT wrote him a short, friendly phone script that mentioned his long history with the bank and politely asked for a one-time courtesy refund. He called customer service himself, read the script, and the bank refunded the fee during the call. He says the whole thing took under five minutes.
What the owner still checks
Never give an AI tool your bank login, password, or full account number. It only needs to know the fee, the date, and your situation. Make the call or send the message yourself, and only ask once in a while; banks don't have to say yes.
Read every field of a government form before it is submitted, and keep a copy of what was sent.
Try this job
Starter prompt written by Agents 101. This was written for this guide. It is not a quote from the original post. Change the names, amounts, and accounts so they match you before you send it.
I was charged a [amount] [type of fee, for example: overdraft, wire transfer, ATM, or late] fee by [bank] on [date]. I've been a customer for [years], and this doesn't happen often because [short reason]. Write me a short, friendly phone script (under 30 seconds to read) asking them to waive or refund it as a one-time courtesy. Also give me a shorter version I could send through the bank's secure message center, and one polite follow-up line if they say no at first. Don't ask for my account number, password, or login. I'll make the call or send the message myself.
Source
madammoney.com (opens in a new tab), dated .
Added to Agents 101 on . Any dollar amounts are what the original person said. We did not check them.
