Читать книгу Investing All-in-One For Dummies - Eric Tyson - Страница 112

Especially at traditional brick-and-mortar banks in your local community, you may be able to get better terms and deals if you ask. Here’s a common example.

Suppose that for several years, you’ve had a checking account at your local bank and have not had any real issues or problems. Then one month, you end up bouncing several check payments (say, four at $30 each) because a deposit into your account didn’t clear in time. You may very well be able to get some or even all of these fees waived by pleading your case to the local branch manager. Explain how long you’ve been a good customer and why this was a one-time case of bad luck, something beyond your control, and so on. The worst that can happen is that the manager will turn down your request, and you’ll have wasted a few minutes of your day. More likely, however, is that you may save yourself $90 to $120 for a small amount of your time.

Deposit account terms and loan terms are harder to negotiate, but some folks have had some success even in those arenas. Your regular bank may offer better mortgage terms if it knows it needs to match or beat a more competitive offer from another bank you’ve shopped, for example.