This will tell you how to handle a bank when they insist on delaying the availability of funds on your deposit into your account.

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     If you ever try to deposit a large check into your checking account the bank may insist on delaying the availability of the funds for several days. Banks do this so they will have a chance to actually collect the funds from the bank which the check was drawn on before the depositor spends those funds. Banks do this to protect themselves from checks that cannot be collected (bad checks). There are several reasons a check may be returned unpaid. Even if the account from which the funds are coming from has enough money to cover the check there are still issues that may affect collectibility. Banks in general use holds if there is even a slight chance that they might lose money from such a deposit. Regulation CC of the uniform commercial code regulates length and availability of funds on checks deposited into your account.

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So you did everything you could, but you still got a fee. It happens and it isn't always your fault. Most bankers know this and are usually willing to help you provided it is not a regular habit. The following steps increase in importance the higher the amount you want refunded. Getting a $4 service fee refunded is a lot easier then getting $185 in OD fees refunded- for the third time this month.

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     Prepare. Make sure you know what happened before you go to the bank. The banker will want to know the details. Be sure you know whether you've received the fee in the past. Not being aware that you have been paying a monthly service charge for the last six months is not an excuse.

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Adding a person to your bank account is easy with the proper identification. The process varies depending on your financial institution, but can be accomplished within a matter of minutes. Banks like Bank of America and US Bank even allow you to add someone to your account online, saving you a trip to your local branch. With this method, it may take one or two business days before all the necessary information can be verified to finalize your joint account.

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     Verify your bank's policy. Call your local branch or visit your bank's website. Most major banks have a toll-free number you can call to speak with a bank representative. Ask a customer service representative what information is necessary to add someone to your bank account. Most banks will allow you to establish a joint account in person, online or over the phone.

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