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Can the bank charge a fee for making payments, such as for making a payment over the phone?

Banks cannot charge fees to make payments by any method, including by telephone or if you place your payment in a branch or office mail slot. However, a bank may charge a fee if you make a payment involving an expedited service provided by a customer service representative of your creditor.

A payment method involves an expedited service by a customer service representative if you make a payment with the assistance of a live representative of the creditor, whether in person, by telephone, or by electronic means, and the payment is applied that same day, or the next day, if received after the creditor's payment cut-off time.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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