When I worked for a bank I’d sometimes use the fee refund tool and try to give the customer back as much as it would let me. Not just overdraft fees, all kinds of fees. I couldn’t override it myself to give everything back but there was an option to select them and let the computer decide if they could have it back. I’d go and select all the fees I was able to. Sometimes they’d get nothing, a few or a significant amount. It was fun. I’d do this without the customer asking and didn’t tell them. Unless they just seemed like they were really bad with money and/or they were rude, liars didn’t get anything either. One time the customer noticed and said they were going to buy an extra Christmas present for someone with it. :) The bank never mentioned it though they monitored every move I made, so I continued doing that till the day I quit. Not because the people deserved the fees back, or needed them, but extra money never hurt anyone and I’m sure I made a lot of people’s day when they found it. I hated the bank anyway for treating both customers and employees like crap, and for being run by corrupt idiots who push degeneracy. ‘Serious’ bankers wouldn’t do this fee refund game I’m sure, but I couldn’t take the job seriously after everything I’d witnessed there.