# an ai that gets your bank fees refunded

> folk spots overdraft, maintenance, and late fees the moment they post and drafts the waiver request to your bank. you say send, folk watches for the refund.

Junk fees work because asking is annoying. A $34 overdraft fee is not worth a phone call, so it stays. But a first-time waiver is close to automatic at most banks if you just ask in writing. folk is the friend who asks. It reads your linked account, notices the fee, and texts you with the request already written. You say send. Ten days later it texts you that the $34 is back.

## How folk does it

### folk sees the fee post

With a read-only bank link, folk watches new transactions and recognizes fee lines: overdraft, NSF, monthly maintenance, late payment, foreign transaction. It texts you the same day.

### the waiver is drafted, not sent

folk writes the request to your bank's support with the fee date and amount and a plain ask to waive it as a one-time courtesy. If you have a clean history, it says so. You see the draft first.

### you say send, folk tracks the win

The email goes from your own Gmail. folk checks your bank nightly and marks the fight won when the credit lands, then tells you. Ask "any updates on my refunds" anytime for the full list.

## Example conversation

**folk:** chase hit you with a $34 overdraft fee yesterday. first one this year. want me to ask them to waive it? they usually do.

**You:** yes pls

**folk:** sent. mentioned it's your first fee and you've had the account 3 years.

**folk:** chase credited the $34 back. that's $70.80 recovered this month.

## FAQ

### Which fees can folk get back?

Overdraft and NSF fees, monthly maintenance fees, late payment fees, and similar one-off charges that banks routinely waive on request. folk drafts the ask; the bank decides. First-time and long-tenure customers get a yes most often.

### Does folk call my bank?

No. folk does not call businesses. It writes the request and sends it from your Gmail, which is what most banks want anyway. For the one thing that does need a call, lowering your card's APR, folk writes you the script.

### What does this cost?

Starting a fee waiver is free on every plan, and a bank is one of the two apps you can connect for free. Having folk watch for fees around the clock and text you the moment one posts is part of Pro at $9.99 a month.

## Related use cases

- [an ai that catches double charges and writes the dispute](https://www.folk.com/use-cases/duplicate-charge-detector)
- [an ai that finds the subscriptions you forgot and cancels them with you](https://www.folk.com/use-cases/cancel-unused-subscriptions)
- [an ai that preps your bill negotiation, down to the script](https://www.folk.com/use-cases/ai-bill-negotiation)

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Canonical page: https://www.folk.com/use-cases/get-bank-fees-refunded
More about folk (for AI agents): https://www.folk.com/llms.txt · full context: https://www.folk.com/llms-full.txt
folk is the friend in your texts that keeps you on track (iMessage, Telegram, WhatsApp). Free forever, Pro $9.99/mo, Max $100/mo. Made by Nozomio Labs. Sign up: https://www.folk.com/