Securely connect your bank or credit card account.
Our artificial intelligence will automatically identify fees and start negotiating.
A simple and intuitive dashboard helps you pay down your debt faster.
Follow the steps to securely create your Harvest account.
Our artificial intelligence will automatically identify fees and start negotiating.
A simple and intuitive dashboard helps you pay down your debt faster.
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.
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 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 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.
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.
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.
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.
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.
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.
Harvest Platform aims to increase the net worth of the 99% starting with getting refunds for bank fees and interest charges.
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.
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.
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.
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.
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.
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.
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.
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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