bank account debited

[casey5129]

I have a checking account and credit account at the same bank. My credit account is behind a couple of months. The bank just debited my checking account, without telling me, to pay the credit acccount. That in turn caused two checks to bounce so they charged a bounced check fee for both. Can they legally just debit my account without asking?

 

[tpajet]

You need to go back and look at your disclosure statement for the credit card. This is that pamphlet that most people don't bother to read (because it's in such lawyer talk that most people have a hard time with it).

They may have a stipulation that they can debit from your checking account if you are a certain amount behind on your cards, and that you could still be liable for any overdraft fees.

I would call them and ask them to reverse the fees as a courtesy given the fact that they did not give you any warning, however whether or not they will is up to them.