Audit intermediate Works with: Any AI

Bank Fee and Overdraft Charge Audit

Table output Has example

Review fees you paid to find errors or avoidable patterns.

The Open buttons send the prompt text as currently shown below to that site only when you click. Fill in the placeholders first.

[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it.

Audit my bank fees. Account statements for [NUMBER_OF_MONTHS] months: [STATEMENT_DATA]. The account terms and fee schedule I have: [FEE_SCHEDULE]. Notices of fee changes: [FEE_NOTICES]. My typical balance and pay dates: [BALANCE_AND_PAY_DATES].

List each fee with date, type (monthly, overdraft, returned item, ATM, foreign transaction, paper statement, wire), amount and the schedule amount. Calculate the total per month and per year. Identify fees that differ from the schedule, repeated overdraft fees caused by the order of posting, fees charged on the same day for related items, and fees for services I did not use. Suggest questions for the bank, a polite request for refunds of fees that look wrong or a one-time waiver, and ways to avoid repeat fees (alerts, buffer, changing pay or bill dates, switching accounts) described generally and without advice about specific products.

Mark anything about rules on overdraft posting as [VERIFY]. Show all arithmetic.

Do not give me legal advice. Invent no law, deadline or odds. Use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] as given. Say when to see a professional. Threaten nothing beyond lawful steps.

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Replace each bracketed placeholder with your own details, then paste into Any AI or another assistant.

Month | Monthly fee | Overdraft | Returned item | ATM | Total
Jan | 5.00 | 35.00 | 0 | 2.50 | 42.50
Feb | 5.00 | 35.00 | 35.00 | 0 | 75.00
Mar | 5.00 | 0 | 0 | 2.50 | 7.50
Three months total: 125.00; annual run-rate if unchanged: 500.00.
Observations: two overdraft fees (Jan, Feb) were triggered on days when a direct debit and a card purchase posted in the same batch. The fee schedule lists a maximum of one overdraft fee per day; Feb shows two charges on 12 Feb. Ask for the refund of the second Feb fee (35.00) and a one-time waiver of the Jan fee.

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