Get Refunds on Interest Charges and Bank Fees

Find all the fees you've been charged from your banks and negotiate hassle-free to get bank fees refunded.
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Our artificial intelligence will automatically identify fees and start negotiating.


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Follow the steps to securely create your Harvest account.



Our artificial intelligence will automatically identify fees and start negotiating.


Manage Debts

A simple and intuitive dashboard helps you pay down your debt faster.

Discover How to Get Fees Refunded

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Free to Try

There is no fee to start using Harvest Platform. You can sign up to see all your fees and start the negotiation process. For supported banks that use Auto-Negotiate, we charge 25% of the refunds we get back for you. For assisted negotiations, the tools are also free to use

Don't take our word for it

"$172 in bank fees deposited back into my account, great site with awesome service and customer support!"
Instagram Review by Spencer A. from New York.
"I got about $30 so far today and I told my mother about it and she got back almost $300 today so far. It works surprisingly well"
Facebook Review by Brenda M. from Florida
"I submitted the auto-negotiation last night and today I received $87 back from my bank. Thank you! Definitely give it a try" - Diana S. from Texas
Twitter Review by Diana S. from Texas
"I was very skeptical at first, but it actually works! Took all of 10 minutes and I got $180 in fees back IMMEDIATELY! 100% recommend this company!!"
Instagram Review by Sophie G. from California
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Types of Negotiable Bank Fee Refunds

Overdraft Fee Refund

Overdraft fees are incurred when an account does not have enough money to cover a transaction and when enrolled in overdraft protection, the bank covers the difference and charges an overdraft fee. These are one of the most commonly refunded fees.

ATM Fee Refund

Some banks will refund your ATM fees automatically. Some of the more recent digital-only banks rely heavily on ATM fees. While these fees are small and can add up, ATM fee refunds can generally be negotiated fairly easily.

Foreign Transaction Fee Refund

Foreign transaction fees are applied when using a credit card anywhere outside of the U.S. and range between 1-3% of the transaction cost. Why should one get penalized for traveling or for work?!?

Interest Charge Refund

Interest charges are incurred when a credit card bill is not paid in full and starts to accrue interest at the card's given APR. Often times, the bank will be willing to reverse some of the interest charges on a credit card.

Monthly Maintenance Fee Refund

These fees can be quite sneaky and are generally applied when certain conditions are unmet on the account itself. Many banks are willing to refund monthly maintenance fees easily.

Wire Transfer Fee Refund

Before apps like Venmo, Cash, or Zelle, moving money was primarily reserved for wire transfers which still handles a lot of volume. Banks charge for these and will often refund wire transfer fees to keep when negotiated properly.

NSF Fee Refund

Even when a consumer opts out of overdraft protection, the bank can still subject your account to an insufficient funds fee (NSF) for transactions that are not covered by the account's balance. Like overdrafts, these fees are commonly refundable.

Excess Activity Fee Refund

Similarly sneaky, the excess activity fee is applied typically when withdrawals from a savings account are made too frequently. Many banks are understanding when it comes to getting a fee waiver for excess activity.

Late Fee Refund

When a customer misses a credit card bill, many credit card companies will incur a late fee. But banks also want prefer that you continue to use their credit card and will refund late fees in order to ensure customer satisfaction.

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Frequently Asked Questions

What does Harvest do?

Harvest Platform aims to increase the net worth of the 99% starting with getting refunds for bank fees and interest charges.

How do negotiations work?

Once your fees are identified, you can authorize Harvest to negotiate on your behalf. Alternatively, you can use the assisted negotiation feature in which you will be given the exact script to send to your bank complete with a itemized list of fees.

How much does Harvest cost?

Harvest Platform is free to sign up, find your fees, negotiate them, and use all other available services. We charge 25% of the refunds we actually get you back for Auto-Negotiate so there is no downside risk.

What banks do you support?

Assisted Negotiations and fee scanning are supported for 15,000 financial institutions across the U.S. Auto-Negotiate is supported for Chase, Wells Fargo, American Express, and Discover.

Am I guaranteed a refund?

Refunds are not guaranteed and depends on a variety of factors such as how long ago the fee was incurred, previous refunds granted, your bank’s terms and conditions, and hundreds of other factors that go into each decision.

What if I don't have fees?

You'd be surprised! The average American spends over $720 in bank fees each year. You may not have more obvious fees like overdrafts or NSF fees, but our service will find all of them. We also have several other features to help increase your net worth.

How do you find negotiable fees?

Harvest uses a proprietary algorithm to scan through your historical statement and find all the bank fees you've been charged up to the last 12 months.

How secure is Harvest?

Harvest Platform uses bank-grade security in which all of your data is encrypted using an AES-256 bit encryption. Your account is also secured with two-factor authentication and our platform regularly undergoes thorough security audits by third party consultants.

What does the refund depend upon?

Refunds depend on hundreds of variables that our algorithm takes into account. Some of these factors include historical refunds, the amount and type of fee, your relationship with the bank, and the bank's terms and conditions to name a few.

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