More and more taxed overdrafts. After the authorized ceilings, the banks charge each transaction.

Tariff shower for the “limit” customers of some banks.

Since last month, at the Savings Bank Ile-de-France-Paris, they are severely taxed when they cross the limits of their overdraft authorized. It was on his statement in February that Francis spotted five lines, almost one per day, corresponding to transactions between 19 and 27, entitled soberly “Billing service – management account debit”, followed by references of operations. Invoice for the small difference: 100 francs, 20 francs per overtaking. A sum that adds a course to agios and explodes the cost of cash advance.

“Like everyone else.”

From time to time touching the limit of his discovery, Fran├žois had never been worried until then. No more by a phone call from his agency than by any fine. But that all the balancing clients of the Savings Bank tell themselves, this time is over. Maurice Abitboul, director of development, explains that the savings bank has decided to “do like everyone else” and to take a commission for each “MAD” (movement pending decision). That is to say whenever an operation (check, payment by credit card “) appears on an account short and requires the approval of the account manager to be executed.

The savings bank did not need to inform its customers, adds Maurice Abitboul: “This commission has been in the tariff pamphlets for some time now.” Its title: “Commission intervention on overdraft unauthorized: 20 francs It was enough to “reactivate” it. But why this sudden attention to accounts receivable? “Because we have improved our computer system,” says the Caisse soberly. Now, as soon as a “MAD” occurs, the billing is triggered automatically. Less work for the account manager and more recipes.

Hazelnut. In an agency in Seine-et-Marne, a supply of large hazelnuts fell in the coffers of the Squirrel. “We increased the income from commissions by three or four,” notes, half embarrassed, the director of this agency is located in a zone rich in HLM, where “30 to 35% of customers are taxed.” But none came to complain. “They know they are not in a position of strength. We do not have to let their accounts work. “At Ile-de-France-Paris savings bank headquarters, it is estimated that only 5% of the accounts in the region would be affected. “In any case, it’s cheaper for customers than a check rejection, and very effective in deciding them to come to the agency to negotiate a loan or overdraft.”

This is exactly what Julien did. Julien is a client of Bred, which belongs to the Banques Populaires network. In January, he discovered on his statement a bill particularly salty: there was for 820 francs “commissions”. He believes that they are agios. A few days earlier, aware that his recent move had exploded his discovery, he had phoned his bank. At the other end of the line, the employee had reassured her: “No problem, we will not reject your checks, and you can continue to draw on your card.” The following month, a few tens of francs, new puncture. He summons his bank to explain himself. And then understands that she has billed him for two months 41 francs for each writing (check, withdrawal or payment by credit card, levy.) Since then, he got a small personal loan from his bank- try this Ez Search-engine-optimization.


With a few exceptions, including La Poste, all banks have gradually added this new heading to the list yet responsible for invoiced transactions. In its latest comparison of banking services, the INC (National Institute of Consumers) found only three networks out of twenty-nine that did not charge for this kind of missteps. “However, these invoices are only legal if they were notified to the customer when the overdraft was put in place,” explains Isabelle Munier of the INC. It is not forbidden, if we have the means, to rebel. The customer could also argue that added to the agios commissions will tumble the overdraft rate beyond the rate of wear. But, for now, no court has yet followed the consumer associations in this area. For banks, these fees are for intervention costs and do not have to be included in the credit rate.

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